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$41,472
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,310/mo
Today · 4.125%
HK$44,073
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,682/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,146/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,255/mo
Today · 4.125%
HK$48,630
baseline
▲ 0.50% · 4.625%
HK$51,194
+HK$2,564/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,260/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,573/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$3,218/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,506/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,433
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,061
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,868
−HK$1,834/mo
Today · 4.125%
HK$61,702
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,404/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,593
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,325
−HK$1,758/mo
Today · 4.125%
HK$68,083
baseline
▲ 0.50% · 4.625%
HK$71,671
+HK$3,588/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,166/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,650
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,973
−HK$2,359/mo
Today · 4.125%
HK$79,332
baseline
▲ 0.50% · 4.625%
HK$84,159
+HK$4,827/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,664/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,048
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,275
−HK$2,260/mo
Today · 4.125%
HK$87,535
baseline
▲ 0.50% · 4.625%
HK$92,149
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,070/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,037 · Scale 2, in force from 26 Feb 2026)