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$41,389
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,677
−HK$1,308/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,661
+HK$2,676/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,045
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,280
−HK$1,253/mo
Today · 4.125%
HK$48,533
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,558/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,066/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,667
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,212
−HK$1,570/mo
Today · 4.125%
HK$52,782
baseline
▲ 0.50% · 4.625%
HK$55,993
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,564/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,254
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,736
−HK$1,503/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,309
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,747
−HK$1,832/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$65,325
+HK$3,746/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,463
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$1,754/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$71,527
+HK$3,581/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,501
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,818
−HK$2,354/mo
Today · 4.125%
HK$79,172
baseline
▲ 0.50% · 4.625%
HK$83,990
+HK$4,818/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,344/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,881
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,104
−HK$2,255/mo
Today · 4.125%
HK$87,359
baseline
▲ 0.50% · 4.625%
HK$91,964
+HK$4,605/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,718/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,667 · Scale 2, in force from 26 Feb 2026)