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$41,418
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,309/mo
Today · 4.125%
HK$44,016
baseline
▲ 0.50% · 4.625%
HK$46,694
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,032/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,078
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,254/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,127
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,702
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,248
−HK$1,571/mo
Today · 4.125%
HK$52,819
baseline
▲ 0.50% · 4.625%
HK$56,033
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,638/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,293
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,776
−HK$1,504/mo
Today · 4.125%
HK$58,280
baseline
▲ 0.50% · 4.625%
HK$61,352
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,560/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,790
−HK$1,832/mo
Today · 4.125%
HK$61,622
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,244/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,509
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,239
−HK$1,755/mo
Today · 4.125%
HK$67,994
baseline
▲ 0.50% · 4.625%
HK$71,578
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,988/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,553
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,872
−HK$2,356/mo
Today · 4.125%
HK$79,228
baseline
▲ 0.50% · 4.625%
HK$84,049
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,456/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,940
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,164
−HK$2,257/mo
Today · 4.125%
HK$87,421
baseline
▲ 0.50% · 4.625%
HK$92,029
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,842/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,148 · Scale 2, in force from 26 Feb 2026)