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$41,525
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,313/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,196
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,257/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,566/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,830
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,380
−HK$1,575/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$56,177
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,435
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,922
−HK$1,508/mo
Today · 4.125%
HK$58,430
baseline
▲ 0.50% · 4.625%
HK$61,510
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,860/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,135
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,943
−HK$1,837/mo
Today · 4.125%
HK$61,780
baseline
▲ 0.50% · 4.625%
HK$65,540
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,560/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,674
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,409
−HK$1,759/mo
Today · 4.125%
HK$68,168
baseline
▲ 0.50% · 4.625%
HK$71,762
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,336/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,745
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,070
−HK$2,362/mo
Today · 4.125%
HK$79,432
baseline
▲ 0.50% · 4.625%
HK$84,265
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,864/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,153
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,383
−HK$2,262/mo
Today · 4.125%
HK$87,645
baseline
▲ 0.50% · 4.625%
HK$92,265
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,290/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,898 · Scale 2, in force from 26 Feb 2026)