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$41,529
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,821
−HK$1,313/mo
Today · 4.125%
HK$44,134
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,268/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,440
−HK$1,257/mo
Today · 4.125%
HK$48,697
baseline
▲ 0.50% · 4.625%
HK$51,264
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,394/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,385
−HK$1,575/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$56,183
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,441
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,928
−HK$1,508/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,517
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,141
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,949
−HK$1,838/mo
Today · 4.125%
HK$61,787
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,574/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,681
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,416
−HK$1,760/mo
Today · 4.125%
HK$68,176
baseline
▲ 0.50% · 4.625%
HK$71,769
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,352/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,753
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,078
−HK$2,362/mo
Today · 4.125%
HK$79,440
baseline
▲ 0.50% · 4.625%
HK$84,274
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,880/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,162
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,392
−HK$2,263/mo
Today · 4.125%
HK$87,655
baseline
▲ 0.50% · 4.625%
HK$92,275
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,310/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,971 · Scale 2, in force from 26 Feb 2026)