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$41,553
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,845
−HK$1,313/mo
Today · 4.125%
HK$44,158
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,316/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,257/mo
Today · 4.125%
HK$48,724
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,448/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,414
−HK$1,576/mo
Today · 4.125%
HK$52,990
baseline
▲ 0.50% · 4.625%
HK$56,214
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,980/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,472
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,509/mo
Today · 4.125%
HK$58,469
baseline
▲ 0.50% · 4.625%
HK$61,551
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,938/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,983
−HK$1,839/mo
Today · 4.125%
HK$61,822
baseline
▲ 0.50% · 4.625%
HK$65,584
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,644/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,718
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$1,761/mo
Today · 4.125%
HK$68,214
baseline
▲ 0.50% · 4.625%
HK$71,810
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,428/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,121
−HK$2,364/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$84,322
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,209
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,264/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$92,327
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,357 · Scale 2, in force from 26 Feb 2026)