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$41,513
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,312/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,800
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,182
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,256/mo
Today · 4.125%
HK$48,677
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,354/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,815
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,365
−HK$1,574/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$56,160
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,419
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,905
−HK$1,508/mo
Today · 4.125%
HK$58,413
baseline
▲ 0.50% · 4.625%
HK$61,492
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,826/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,118
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,925
−HK$1,837/mo
Today · 4.125%
HK$61,762
baseline
▲ 0.50% · 4.625%
HK$65,520
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,524/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,655
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,389
−HK$1,759/mo
Today · 4.125%
HK$68,148
baseline
▲ 0.50% · 4.625%
HK$71,741
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,296/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,723
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,047
−HK$2,361/mo
Today · 4.125%
HK$79,408
baseline
▲ 0.50% · 4.625%
HK$84,240
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,816/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,128
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,358
−HK$2,261/mo
Today · 4.125%
HK$87,619
baseline
▲ 0.50% · 4.625%
HK$92,238
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,238/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,696 · Scale 2, in force from 26 Feb 2026)