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$41,536
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,313/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,208
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,257/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,272
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,575/mo
Today · 4.125%
HK$52,969
baseline
▲ 0.50% · 4.625%
HK$56,192
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,938/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,937
−HK$1,509/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$61,527
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,150
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,838/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,557
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,692
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,427
−HK$1,760/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$71,781
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,765
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,090
−HK$2,363/mo
Today · 4.125%
HK$79,453
baseline
▲ 0.50% · 4.625%
HK$84,288
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,906/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,175
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,406
−HK$2,263/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$92,290
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,081 · Scale 2, in force from 26 Feb 2026)