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$41,540
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,312/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,831
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,213
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,257/mo
Today · 4.125%
HK$48,710
baseline
▲ 0.50% · 4.625%
HK$51,278
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,420/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,848
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,399
−HK$1,575/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$56,198
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,456
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,943
−HK$1,509/mo
Today · 4.125%
HK$58,452
baseline
▲ 0.50% · 4.625%
HK$61,533
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,904/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,157
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,966
−HK$1,837/mo
Today · 4.125%
HK$61,803
baseline
▲ 0.50% · 4.625%
HK$65,564
+HK$3,761/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$123,606/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,699
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$1,760/mo
Today · 4.125%
HK$68,194
baseline
▲ 0.50% · 4.625%
HK$71,789
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$136,388/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,099
−HK$2,363/mo
Today · 4.125%
HK$79,462
baseline
▲ 0.50% · 4.625%
HK$84,297
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,924/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,184
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,415
−HK$2,263/mo
Today · 4.125%
HK$87,678
baseline
▲ 0.50% · 4.625%
HK$92,300
+HK$4,622/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,356/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,153 · Scale 2, in force from 26 Feb 2026)