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$41,482
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,311/mo
Today · 4.125%
HK$44,083
baseline
▲ 0.50% · 4.625%
HK$46,766
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,166/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,386
−HK$1,255/mo
Today · 4.125%
HK$48,641
baseline
▲ 0.50% · 4.625%
HK$51,205
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,282/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,778
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,327
−HK$1,573/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$56,119
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,863
−HK$1,507/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,447
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,075
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,881
−HK$1,835/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$65,472
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,608
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,340
−HK$1,758/mo
Today · 4.125%
HK$68,098
baseline
▲ 0.50% · 4.625%
HK$71,688
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,196/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,667
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,990
−HK$2,360/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$84,178
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,067
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,295
−HK$2,260/mo
Today · 4.125%
HK$87,555
baseline
▲ 0.50% · 4.625%
HK$92,170
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,110/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,192 · Scale 2, in force from 26 Feb 2026)