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$41,534
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,312/mo
Today · 4.125%
HK$44,138
baseline
▲ 0.50% · 4.625%
HK$46,824
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,276/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,206
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,445
−HK$1,257/mo
Today · 4.125%
HK$48,702
baseline
▲ 0.50% · 4.625%
HK$51,269
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,404/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,391
−HK$1,575/mo
Today · 4.125%
HK$52,966
baseline
▲ 0.50% · 4.625%
HK$56,189
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,932/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,447
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,934
−HK$1,509/mo
Today · 4.125%
HK$58,443
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,080/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,886/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,147
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,956
−HK$1,838/mo
Today · 4.125%
HK$61,794
baseline
▲ 0.50% · 4.625%
HK$65,554
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,588/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,688
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,423
−HK$1,760/mo
Today · 4.125%
HK$68,183
baseline
▲ 0.50% · 4.625%
HK$71,777
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,366/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,086
−HK$2,363/mo
Today · 4.125%
HK$79,449
baseline
▲ 0.50% · 4.625%
HK$84,283
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,898/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,401
−HK$2,263/mo
Today · 4.125%
HK$87,664
baseline
▲ 0.50% · 4.625%
HK$92,285
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,328/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,044 · Scale 2, in force from 26 Feb 2026)