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$41,550
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,842
−HK$1,313/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,842
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,310/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,223
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,463
−HK$1,258/mo
Today · 4.125%
HK$48,721
baseline
▲ 0.50% · 4.625%
HK$51,289
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,442/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,859
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,576/mo
Today · 4.125%
HK$52,986
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,972/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,468
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,956
−HK$1,509/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$61,547
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,169
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,979
−HK$1,838/mo
Today · 4.125%
HK$61,817
baseline
▲ 0.50% · 4.625%
HK$65,579
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,634/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,448
−HK$1,761/mo
Today · 4.125%
HK$68,209
baseline
▲ 0.50% · 4.625%
HK$71,804
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,418/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,789
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,116
−HK$2,363/mo
Today · 4.125%
HK$79,479
baseline
▲ 0.50% · 4.625%
HK$84,315
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,958/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,202
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,434
−HK$2,263/mo
Today · 4.125%
HK$87,697
baseline
▲ 0.50% · 4.625%
HK$92,320
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,394/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,304 · Scale 2, in force from 26 Feb 2026)