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$41,483
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,311/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,682/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,150
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,255/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,207
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,573/mo
Today · 4.125%
HK$52,902
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,804/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,380
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,507/mo
Today · 4.125%
HK$58,372
baseline
▲ 0.50% · 4.625%
HK$61,449
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,744/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,077
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,836/mo
Today · 4.125%
HK$61,719
baseline
▲ 0.50% · 4.625%
HK$65,474
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,438/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,610
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,343
−HK$1,758/mo
Today · 4.125%
HK$68,101
baseline
▲ 0.50% · 4.625%
HK$71,690
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,202/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,993
−HK$2,360/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$84,181
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,706/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,070
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,260/mo
Today · 4.125%
HK$87,558
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,116/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,218 · Scale 2, in force from 26 Feb 2026)