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$41,412
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,700
−HK$1,309/mo
Today · 4.125%
HK$44,009
baseline
▲ 0.50% · 4.625%
HK$46,687
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,018/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,070
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,306
−HK$1,253/mo
Today · 4.125%
HK$48,559
baseline
▲ 0.50% · 4.625%
HK$51,119
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,118/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,694
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,570/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$3,214/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,284
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,767
−HK$1,504/mo
Today · 4.125%
HK$58,271
baseline
▲ 0.50% · 4.625%
HK$61,343
+HK$3,072/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$116,542/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,977
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,832/mo
Today · 4.125%
HK$61,612
baseline
▲ 0.50% · 4.625%
HK$65,361
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,224/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,498
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$1,755/mo
Today · 4.125%
HK$67,983
baseline
▲ 0.50% · 4.625%
HK$71,566
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,966/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,541
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,860
−HK$2,356/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$84,036
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,926
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,150
−HK$2,257/mo
Today · 4.125%
HK$87,407
baseline
▲ 0.50% · 4.625%
HK$92,014
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,814/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,039 · Scale 2, in force from 26 Feb 2026)