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$41,519
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,313/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,189
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,428
−HK$1,257/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,251
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,823
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,373
−HK$1,574/mo
Today · 4.125%
HK$52,947
baseline
▲ 0.50% · 4.625%
HK$56,169
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,894/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,427
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,508/mo
Today · 4.125%
HK$58,422
baseline
▲ 0.50% · 4.625%
HK$61,501
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,844/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,127
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,837/mo
Today · 4.125%
HK$61,772
baseline
▲ 0.50% · 4.625%
HK$65,530
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,544/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,665
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,399
−HK$1,760/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$71,752
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,734
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,059
−HK$2,362/mo
Today · 4.125%
HK$79,421
baseline
▲ 0.50% · 4.625%
HK$84,253
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,842/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,141
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,371
−HK$2,262/mo
Today · 4.125%
HK$87,633
baseline
▲ 0.50% · 4.625%
HK$92,252
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,266/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,801 · Scale 2, in force from 26 Feb 2026)