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$41,496
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,786
−HK$1,312/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,781
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,256/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,222
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,795
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,573/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,396
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,882
−HK$1,507/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,467
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,094
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,901
−HK$1,836/mo
Today · 4.125%
HK$61,737
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,474/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,629
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,362
−HK$1,759/mo
Today · 4.125%
HK$68,121
baseline
▲ 0.50% · 4.625%
HK$71,711
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,242/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,692
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,016
−HK$2,360/mo
Today · 4.125%
HK$79,376
baseline
▲ 0.50% · 4.625%
HK$84,206
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,752/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,094
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,323
−HK$2,261/mo
Today · 4.125%
HK$87,584
baseline
▲ 0.50% · 4.625%
HK$92,200
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,168/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,419 · Scale 2, in force from 26 Feb 2026)