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$41,425
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,714
−HK$1,309/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,085
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,254/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,135
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,710
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,256
−HK$1,571/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$56,042
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,302
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,785
−HK$1,505/mo
Today · 4.125%
HK$58,290
baseline
▲ 0.50% · 4.625%
HK$61,362
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,580/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,995
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,799
−HK$1,833/mo
Today · 4.125%
HK$61,632
baseline
▲ 0.50% · 4.625%
HK$65,382
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,264/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,519
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,249
−HK$1,756/mo
Today · 4.125%
HK$68,005
baseline
▲ 0.50% · 4.625%
HK$71,589
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,010/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,565
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,884
−HK$2,357/mo
Today · 4.125%
HK$79,241
baseline
▲ 0.50% · 4.625%
HK$84,063
+HK$4,822/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,482/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,953
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,178
−HK$2,257/mo
Today · 4.125%
HK$87,435
baseline
▲ 0.50% · 4.625%
HK$92,043
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,870/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,256 · Scale 2, in force from 26 Feb 2026)