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$41,356
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,307/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,242
−HK$1,251/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,049
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,627
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,170
−HK$1,569/mo
Today · 4.125%
HK$52,739
baseline
▲ 0.50% · 4.625%
HK$55,948
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,478/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,209
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,690
−HK$1,502/mo
Today · 4.125%
HK$58,192
baseline
▲ 0.50% · 4.625%
HK$61,259
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,384/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,699
−HK$1,829/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$65,272
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,411
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,138
−HK$1,753/mo
Today · 4.125%
HK$67,891
baseline
▲ 0.50% · 4.625%
HK$71,469
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,782/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,440
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,756
−HK$2,352/mo
Today · 4.125%
HK$79,108
baseline
▲ 0.50% · 4.625%
HK$83,922
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,216/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,814
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,035
−HK$2,253/mo
Today · 4.125%
HK$87,288
baseline
▲ 0.50% · 4.625%
HK$91,889
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,576/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,114 · Scale 2, in force from 26 Feb 2026)