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$41,521
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,813
−HK$1,312/mo
Today · 4.125%
HK$44,125
baseline
▲ 0.50% · 4.625%
HK$46,810
+HK$2,685/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,250/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,192
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,257/mo
Today · 4.125%
HK$48,687
baseline
▲ 0.50% · 4.625%
HK$51,254
+HK$2,567/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,374/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,825
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,575/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$56,171
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,430
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,917
−HK$1,508/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,129
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,938
−HK$1,837/mo
Today · 4.125%
HK$61,775
baseline
▲ 0.50% · 4.625%
HK$65,533
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,550/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,668
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,403
−HK$1,759/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,738
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,063
−HK$2,361/mo
Today · 4.125%
HK$79,424
baseline
▲ 0.50% · 4.625%
HK$84,257
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,848/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,145
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,375
−HK$2,262/mo
Today · 4.125%
HK$87,637
baseline
▲ 0.50% · 4.625%
HK$92,257
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,274/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,834 · Scale 2, in force from 26 Feb 2026)