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$41,377
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,307/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,031
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,252/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,652
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,196
−HK$1,570/mo
Today · 4.125%
HK$52,766
baseline
▲ 0.50% · 4.625%
HK$55,976
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,532/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,237
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,719
−HK$1,503/mo
Today · 4.125%
HK$58,222
baseline
▲ 0.50% · 4.625%
HK$61,291
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,444/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,927
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,729
−HK$1,831/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,444
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,172
−HK$1,753/mo
Today · 4.125%
HK$67,925
baseline
▲ 0.50% · 4.625%
HK$71,506
+HK$3,581/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,850/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,478
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,795
−HK$2,353/mo
Today · 4.125%
HK$79,148
baseline
▲ 0.50% · 4.625%
HK$83,964
+HK$4,816/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,296/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,856
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,078
−HK$2,255/mo
Today · 4.125%
HK$87,333
baseline
▲ 0.50% · 4.625%
HK$91,936
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,666/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,462 · Scale 2, in force from 26 Feb 2026)