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$41,528
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,313/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,199
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,438
−HK$1,257/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,262
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,833
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,383
−HK$1,575/mo
Today · 4.125%
HK$52,958
baseline
▲ 0.50% · 4.625%
HK$56,181
+HK$3,223/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,916/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,439
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,508/mo
Today · 4.125%
HK$58,434
baseline
▲ 0.50% · 4.625%
HK$61,514
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,868/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,139
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,947
−HK$1,838/mo
Today · 4.125%
HK$61,785
baseline
▲ 0.50% · 4.625%
HK$65,544
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,570/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,679
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,413
−HK$1,760/mo
Today · 4.125%
HK$68,173
baseline
▲ 0.50% · 4.625%
HK$71,767
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,346/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,075
−HK$2,362/mo
Today · 4.125%
HK$79,437
baseline
▲ 0.50% · 4.625%
HK$84,271
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,874/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,158
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,389
−HK$2,262/mo
Today · 4.125%
HK$87,651
baseline
▲ 0.50% · 4.625%
HK$92,271
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,302/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,945 · Scale 2, in force from 26 Feb 2026)