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$41,387
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,675
−HK$1,308/mo
Today · 4.125%
HK$43,983
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,676/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,966/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,043
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,278
−HK$1,252/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,089
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,665
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,210
−HK$1,569/mo
Today · 4.125%
HK$52,779
baseline
▲ 0.50% · 4.625%
HK$55,991
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,558/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,504/mo
Today · 4.125%
HK$58,237
baseline
▲ 0.50% · 4.625%
HK$61,306
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,474/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,942
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,744
−HK$1,832/mo
Today · 4.125%
HK$61,576
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,746/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,152/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,460
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,189
−HK$1,754/mo
Today · 4.125%
HK$67,943
baseline
▲ 0.50% · 4.625%
HK$71,524
+HK$3,581/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,886/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,497
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,814
−HK$2,355/mo
Today · 4.125%
HK$79,169
baseline
▲ 0.50% · 4.625%
HK$83,986
+HK$4,817/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,338/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,877
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,100
−HK$2,255/mo
Today · 4.125%
HK$87,355
baseline
▲ 0.50% · 4.625%
HK$91,959
+HK$4,604/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,710/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,635 · Scale 2, in force from 26 Feb 2026)