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$41,537
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,312/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,209
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,258/mo
Today · 4.125%
HK$48,706
baseline
▲ 0.50% · 4.625%
HK$51,273
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,412/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,844
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,576/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,451
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,938
−HK$1,509/mo
Today · 4.125%
HK$58,447
baseline
▲ 0.50% · 4.625%
HK$61,527
+HK$3,080/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,894/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,151
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,960
−HK$1,838/mo
Today · 4.125%
HK$61,798
baseline
▲ 0.50% · 4.625%
HK$65,558
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,596/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,693
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,428
−HK$1,760/mo
Today · 4.125%
HK$68,188
baseline
▲ 0.50% · 4.625%
HK$71,782
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,376/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,766
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,091
−HK$2,363/mo
Today · 4.125%
HK$79,454
baseline
▲ 0.50% · 4.625%
HK$84,289
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,908/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,176
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,407
−HK$2,263/mo
Today · 4.125%
HK$87,670
baseline
▲ 0.50% · 4.625%
HK$92,291
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,340/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,091 · Scale 2, in force from 26 Feb 2026)