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$41,479
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,769
−HK$1,311/mo
Today · 4.125%
HK$44,080
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,682/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,160/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,145
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,256/mo
Today · 4.125%
HK$48,638
baseline
▲ 0.50% · 4.625%
HK$51,201
+HK$2,563/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,276/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,774
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,323
−HK$1,573/mo
Today · 4.125%
HK$52,896
baseline
▲ 0.50% · 4.625%
HK$56,114
+HK$3,218/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$105,792/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,373
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,859
−HK$1,506/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,442
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,070
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,876
−HK$1,836/mo
Today · 4.125%
HK$61,712
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,424/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,602
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,335
−HK$1,758/mo
Today · 4.125%
HK$68,093
baseline
▲ 0.50% · 4.625%
HK$71,682
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,186/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,661
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,984
−HK$2,359/mo
Today · 4.125%
HK$79,343
baseline
▲ 0.50% · 4.625%
HK$84,171
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,686/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,060
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,288
−HK$2,260/mo
Today · 4.125%
HK$87,548
baseline
▲ 0.50% · 4.625%
HK$92,162
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,096/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,138 · Scale 2, in force from 26 Feb 2026)