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$41,511
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,802
−HK$1,312/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,798
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,180
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,256/mo
Today · 4.125%
HK$48,675
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,350/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,813
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,362
−HK$1,575/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$56,158
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,416
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,507/mo
Today · 4.125%
HK$58,410
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,820/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,836/mo
Today · 4.125%
HK$61,759
baseline
▲ 0.50% · 4.625%
HK$65,517
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,518/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,652
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,386
−HK$1,759/mo
Today · 4.125%
HK$68,145
baseline
▲ 0.50% · 4.625%
HK$71,737
+HK$3,592/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,290/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,044
−HK$2,361/mo
Today · 4.125%
HK$79,405
baseline
▲ 0.50% · 4.625%
HK$84,236
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,810/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,125
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,354
−HK$2,261/mo
Today · 4.125%
HK$87,615
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,230/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,666 · Scale 2, in force from 26 Feb 2026)