The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,526
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,818
−HK$1,313/mo
Today · 4.125%
HK$44,131
baseline
▲ 0.50% · 4.625%
HK$46,816
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,262/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,198
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,437
−HK$1,257/mo
Today · 4.125%
HK$48,694
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,566/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,388/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,832
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,382
−HK$1,575/mo
Today · 4.125%
HK$52,957
baseline
▲ 0.50% · 4.625%
HK$56,179
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,914/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,437
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,924
−HK$1,508/mo
Today · 4.125%
HK$58,432
baseline
▲ 0.50% · 4.625%
HK$61,512
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,864/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,945
−HK$1,838/mo
Today · 4.125%
HK$61,783
baseline
▲ 0.50% · 4.625%
HK$65,542
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,566/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,677
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$1,760/mo
Today · 4.125%
HK$68,171
baseline
▲ 0.50% · 4.625%
HK$71,765
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,342/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,748
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,073
−HK$2,362/mo
Today · 4.125%
HK$79,435
baseline
▲ 0.50% · 4.625%
HK$84,268
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,870/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,156
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,386
−HK$2,263/mo
Today · 4.125%
HK$87,649
baseline
▲ 0.50% · 4.625%
HK$92,269
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,298/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,924 · Scale 2, in force from 26 Feb 2026)