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$41,546
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,313/mo
Today · 4.125%
HK$44,151
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,302/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,459
−HK$1,257/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,575/mo
Today · 4.125%
HK$52,981
baseline
▲ 0.50% · 4.625%
HK$56,205
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,962/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,463
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,509/mo
Today · 4.125%
HK$58,460
baseline
▲ 0.50% · 4.625%
HK$61,541
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,920/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,973
−HK$1,838/mo
Today · 4.125%
HK$61,811
baseline
▲ 0.50% · 4.625%
HK$65,573
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$123,622/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,707
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,442
−HK$1,761/mo
Today · 4.125%
HK$68,203
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$136,406/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,782
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,108
−HK$2,364/mo
Today · 4.125%
HK$79,472
baseline
▲ 0.50% · 4.625%
HK$84,308
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,944/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,195
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,426
−HK$2,263/mo
Today · 4.125%
HK$87,689
baseline
▲ 0.50% · 4.625%
HK$92,312
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,378/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,242 · Scale 2, in force from 26 Feb 2026)