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$41,598
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,315/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,897
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,259/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,349
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,471
−HK$1,577/mo
Today · 4.125%
HK$53,048
baseline
▲ 0.50% · 4.625%
HK$56,276
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,096/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,533
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,511/mo
Today · 4.125%
HK$58,533
baseline
▲ 0.50% · 4.625%
HK$61,619
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,066/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,237
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,049
−HK$1,840/mo
Today · 4.125%
HK$61,889
baseline
▲ 0.50% · 4.625%
HK$65,655
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,778/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,789
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$1,763/mo
Today · 4.125%
HK$68,289
baseline
▲ 0.50% · 4.625%
HK$71,889
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,578/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,877
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,206
−HK$2,366/mo
Today · 4.125%
HK$79,572
baseline
▲ 0.50% · 4.625%
HK$84,414
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,144/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,300
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,534
−HK$2,266/mo
Today · 4.125%
HK$87,800
baseline
▲ 0.50% · 4.625%
HK$92,428
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,600/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,104 · Scale 2, in force from 26 Feb 2026)