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$41,557
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,313/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,688/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,231
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,258/mo
Today · 4.125%
HK$48,729
baseline
▲ 0.50% · 4.625%
HK$51,298
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,458/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,576/mo
Today · 4.125%
HK$52,995
baseline
▲ 0.50% · 4.625%
HK$56,220
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,990/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,477
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,510/mo
Today · 4.125%
HK$58,475
baseline
▲ 0.50% · 4.625%
HK$61,557
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,950/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,179
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,838/mo
Today · 4.125%
HK$61,827
baseline
▲ 0.50% · 4.625%
HK$65,590
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,654/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,724
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$1,761/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$71,817
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,802
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,364/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$84,329
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,264/mo
Today · 4.125%
HK$87,712
baseline
▲ 0.50% · 4.625%
HK$92,336
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,424/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,419 · Scale 2, in force from 26 Feb 2026)