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$41,506
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,312/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,175
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,256/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,808
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,357
−HK$1,574/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$56,152
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,410
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,897
−HK$1,507/mo
Today · 4.125%
HK$58,404
baseline
▲ 0.50% · 4.625%
HK$61,483
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,808/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,109
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,916
−HK$1,837/mo
Today · 4.125%
HK$61,753
baseline
▲ 0.50% · 4.625%
HK$65,510
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,506/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,646
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,379
−HK$1,759/mo
Today · 4.125%
HK$68,138
baseline
▲ 0.50% · 4.625%
HK$71,730
+HK$3,592/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,276/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,711
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,035
−HK$2,362/mo
Today · 4.125%
HK$79,397
baseline
▲ 0.50% · 4.625%
HK$84,228
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,794/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,116
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,345
−HK$2,261/mo
Today · 4.125%
HK$87,606
baseline
▲ 0.50% · 4.625%
HK$92,224
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,212/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,594 · Scale 2, in force from 26 Feb 2026)