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$41,500
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,791
−HK$1,312/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,169
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,407
−HK$1,256/mo
Today · 4.125%
HK$48,663
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,326/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,574/mo
Today · 4.125%
HK$52,923
baseline
▲ 0.50% · 4.625%
HK$56,143
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,846/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,402
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,508/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,100
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,836/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,636
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$1,758/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,700
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,361/mo
Today · 4.125%
HK$79,385
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,770/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,104
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,261/mo
Today · 4.125%
HK$87,593
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,186/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,494 · Scale 2, in force from 26 Feb 2026)