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$41,558
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,851
−HK$1,313/mo
Today · 4.125%
HK$44,164
baseline
▲ 0.50% · 4.625%
HK$46,851
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,328/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,233
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,258/mo
Today · 4.125%
HK$48,731
baseline
▲ 0.50% · 4.625%
HK$51,299
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,462/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,421
−HK$1,576/mo
Today · 4.125%
HK$52,997
baseline
▲ 0.50% · 4.625%
HK$56,221
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$105,994/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,967
−HK$1,510/mo
Today · 4.125%
HK$58,477
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,954/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,181
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,991
−HK$1,838/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,592
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,726
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,462
−HK$1,761/mo
Today · 4.125%
HK$68,223
baseline
▲ 0.50% · 4.625%
HK$71,819
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,446/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,804
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,131
−HK$2,364/mo
Today · 4.125%
HK$79,495
baseline
▲ 0.50% · 4.625%
HK$84,332
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,990/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,219
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,451
−HK$2,264/mo
Today · 4.125%
HK$87,715
baseline
▲ 0.50% · 4.625%
HK$92,339
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,430/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,441 · Scale 2, in force from 26 Feb 2026)