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$41,553
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,845
−HK$1,314/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,258/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,415
−HK$1,575/mo
Today · 4.125%
HK$52,990
baseline
▲ 0.50% · 4.625%
HK$56,215
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,980/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,510/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$61,552
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,984
−HK$1,838/mo
Today · 4.125%
HK$61,822
baseline
▲ 0.50% · 4.625%
HK$65,584
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,644/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,718
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,454
−HK$1,761/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$71,810
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,122
−HK$2,364/mo
Today · 4.125%
HK$79,486
baseline
▲ 0.50% · 4.625%
HK$84,322
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,972/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,209
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,441
−HK$2,263/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$92,328
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,360 · Scale 2, in force from 26 Feb 2026)