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$41,504
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,311/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,172
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,256/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,353
−HK$1,574/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$56,148
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,407
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,893
−HK$1,507/mo
Today · 4.125%
HK$58,400
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,800/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,105
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,912
−HK$1,837/mo
Today · 4.125%
HK$61,749
baseline
▲ 0.50% · 4.625%
HK$65,506
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,498/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,641
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,375
−HK$1,758/mo
Today · 4.125%
HK$68,133
baseline
▲ 0.50% · 4.625%
HK$71,725
+HK$3,592/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,266/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,706
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,030
−HK$2,361/mo
Today · 4.125%
HK$79,391
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,782/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,110
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,339
−HK$2,261/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,218
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,547 · Scale 2, in force from 26 Feb 2026)