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$41,587
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,314/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,884
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,265
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,506
−HK$1,259/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,335
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,577/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,518
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,511/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,084/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,222
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,840/mo
Today · 4.125%
HK$61,873
baseline
▲ 0.50% · 4.625%
HK$65,638
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,746/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,771
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,508
−HK$1,762/mo
Today · 4.125%
HK$68,270
baseline
▲ 0.50% · 4.625%
HK$71,869
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,540/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,856
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,185
−HK$2,366/mo
Today · 4.125%
HK$79,551
baseline
▲ 0.50% · 4.625%
HK$84,391
+HK$4,840/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,102/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,277
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,511
−HK$2,265/mo
Today · 4.125%
HK$87,776
baseline
▲ 0.50% · 4.625%
HK$92,403
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,552/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,919 · Scale 2, in force from 26 Feb 2026)