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$41,534
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,313/mo
Today · 4.125%
HK$44,139
baseline
▲ 0.50% · 4.625%
HK$46,825
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,278/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,207
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,257/mo
Today · 4.125%
HK$48,703
baseline
▲ 0.50% · 4.625%
HK$51,270
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,406/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,841
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,392
−HK$1,575/mo
Today · 4.125%
HK$52,967
baseline
▲ 0.50% · 4.625%
HK$56,190
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,934/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,448
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,935
−HK$1,509/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$61,524
+HK$3,080/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,148
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,957
−HK$1,838/mo
Today · 4.125%
HK$61,795
baseline
▲ 0.50% · 4.625%
HK$65,555
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,590/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,689
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,424
−HK$1,760/mo
Today · 4.125%
HK$68,184
baseline
▲ 0.50% · 4.625%
HK$71,778
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,368/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,762
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,088
−HK$2,362/mo
Today · 4.125%
HK$79,450
baseline
▲ 0.50% · 4.625%
HK$84,285
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,900/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,172
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,403
−HK$2,263/mo
Today · 4.125%
HK$87,666
baseline
▲ 0.50% · 4.625%
HK$92,287
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,332/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,057 · Scale 2, in force from 26 Feb 2026)