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$41,555
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,848
−HK$1,313/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,230
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,258/mo
Today · 4.125%
HK$48,728
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,456/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,866
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,575/mo
Today · 4.125%
HK$52,993
baseline
▲ 0.50% · 4.625%
HK$56,218
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,986/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,476
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,964
−HK$1,509/mo
Today · 4.125%
HK$58,473
baseline
▲ 0.50% · 4.625%
HK$61,555
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,946/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,177
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,987
−HK$1,839/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,588
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,722
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,458
−HK$1,761/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,800
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,126
−HK$2,364/mo
Today · 4.125%
HK$79,490
baseline
▲ 0.50% · 4.625%
HK$84,327
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,980/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,214
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,446
−HK$2,264/mo
Today · 4.125%
HK$87,710
baseline
▲ 0.50% · 4.625%
HK$92,333
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,420/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,399 · Scale 2, in force from 26 Feb 2026)