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$42,847
−HK$1,314/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$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,469
−HK$1,258/mo
Today · 4.125%
HK$48,727
baseline
▲ 0.50% · 4.625%
HK$51,295
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,454/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,866
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,417
−HK$1,576/mo
Today · 4.125%
HK$52,993
baseline
▲ 0.50% · 4.625%
HK$56,217
+HK$3,224/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$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,475
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,963
−HK$1,509/mo
Today · 4.125%
HK$58,472
baseline
▲ 0.50% · 4.625%
HK$61,554
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,944/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,177
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,986
−HK$1,839/mo
Today · 4.125%
HK$61,825
baseline
▲ 0.50% · 4.625%
HK$65,587
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,650/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,721
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,457
−HK$1,761/mo
Today · 4.125%
HK$68,218
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,436/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,799
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,125
−HK$2,364/mo
Today · 4.125%
HK$79,489
baseline
▲ 0.50% · 4.625%
HK$84,326
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,978/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,213
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,444
−HK$2,264/mo
Today · 4.125%
HK$87,708
baseline
▲ 0.50% · 4.625%
HK$92,332
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,416/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,391 · Scale 2, in force from 26 Feb 2026)