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$41,418
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,706
−HK$1,309/mo
Today · 4.125%
HK$44,015
baseline
▲ 0.50% · 4.625%
HK$46,693
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,030/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,077
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,253/mo
Today · 4.125%
HK$48,566
baseline
▲ 0.50% · 4.625%
HK$51,126
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,132/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,701
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,247
−HK$1,571/mo
Today · 4.125%
HK$52,818
baseline
▲ 0.50% · 4.625%
HK$56,032
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,636/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,292
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,775
−HK$1,504/mo
Today · 4.125%
HK$58,279
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,558/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,985
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,788
−HK$1,833/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$65,370
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$1,755/mo
Today · 4.125%
HK$67,993
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,986/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,552
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,871
−HK$2,356/mo
Today · 4.125%
HK$79,227
baseline
▲ 0.50% · 4.625%
HK$84,048
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,454/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,938
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,256/mo
Today · 4.125%
HK$87,419
baseline
▲ 0.50% · 4.625%
HK$92,027
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,838/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,137 · Scale 2, in force from 26 Feb 2026)