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$41,364
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,651
−HK$1,307/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,633
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,017
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,251
−HK$1,252/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,006/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,637
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,181
−HK$1,568/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,959
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,220
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,701
−HK$1,503/mo
Today · 4.125%
HK$58,204
baseline
▲ 0.50% · 4.625%
HK$61,272
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,408/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,910
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,711
−HK$1,830/mo
Today · 4.125%
HK$61,541
baseline
▲ 0.50% · 4.625%
HK$65,286
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,082/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,424
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,152
−HK$1,752/mo
Today · 4.125%
HK$67,904
baseline
▲ 0.50% · 4.625%
HK$71,484
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,808/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,455
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,771
−HK$2,353/mo
Today · 4.125%
HK$79,124
baseline
▲ 0.50% · 4.625%
HK$83,939
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,248/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,831
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,052
−HK$2,254/mo
Today · 4.125%
HK$87,306
baseline
▲ 0.50% · 4.625%
HK$91,908
+HK$4,602/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,612/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,252 · Scale 2, in force from 26 Feb 2026)