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$41,488
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,779
−HK$1,311/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,393
−HK$1,256/mo
Today · 4.125%
HK$48,649
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,298/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,574/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,507/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,456
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,083
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,836/mo
Today · 4.125%
HK$61,726
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,452/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,617
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,350
−HK$1,758/mo
Today · 4.125%
HK$68,108
baseline
▲ 0.50% · 4.625%
HK$71,698
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,216/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,679
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,002
−HK$2,360/mo
Today · 4.125%
HK$79,362
baseline
▲ 0.50% · 4.625%
HK$84,191
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,724/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,079
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,307
−HK$2,261/mo
Today · 4.125%
HK$87,568
baseline
▲ 0.50% · 4.625%
HK$92,184
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,136/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,295 · Scale 2, in force from 26 Feb 2026)