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$41,523
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,815
−HK$1,312/mo
Today · 4.125%
HK$44,127
baseline
▲ 0.50% · 4.625%
HK$46,812
+HK$2,685/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,254/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,194
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,433
−HK$1,257/mo
Today · 4.125%
HK$48,690
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,380/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,575/mo
Today · 4.125%
HK$52,952
baseline
▲ 0.50% · 4.625%
HK$56,174
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,904/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,433
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,508/mo
Today · 4.125%
HK$58,427
baseline
▲ 0.50% · 4.625%
HK$61,507
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,854/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,132
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,838/mo
Today · 4.125%
HK$61,778
baseline
▲ 0.50% · 4.625%
HK$65,537
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,556/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$1,759/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$71,758
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,741
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,066
−HK$2,362/mo
Today · 4.125%
HK$79,428
baseline
▲ 0.50% · 4.625%
HK$84,261
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,856/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,149
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,379
−HK$2,262/mo
Today · 4.125%
HK$87,641
baseline
▲ 0.50% · 4.625%
HK$92,261
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,282/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,867 · Scale 2, in force from 26 Feb 2026)