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$41,588
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,882
−HK$1,314/mo
Today · 4.125%
HK$44,196
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,392/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,259/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,906
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,458
−HK$1,577/mo
Today · 4.125%
HK$53,035
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$106,070/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,009
−HK$1,510/mo
Today · 4.125%
HK$58,519
baseline
▲ 0.50% · 4.625%
HK$61,604
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$117,038/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,223
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,034
−HK$1,840/mo
Today · 4.125%
HK$61,874
baseline
▲ 0.50% · 4.625%
HK$65,639
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,748/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,773
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,510
−HK$1,762/mo
Today · 4.125%
HK$68,272
baseline
▲ 0.50% · 4.625%
HK$71,871
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,544/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,858
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,187
−HK$2,366/mo
Today · 4.125%
HK$79,553
baseline
▲ 0.50% · 4.625%
HK$84,393
+HK$4,840/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,106/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,279
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,513
−HK$2,266/mo
Today · 4.125%
HK$87,779
baseline
▲ 0.50% · 4.625%
HK$92,405
+HK$4,626/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,558/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,937 · Scale 2, in force from 26 Feb 2026)