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$41,385
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,307/mo
Today · 4.125%
HK$43,980
baseline
▲ 0.50% · 4.625%
HK$46,657
+HK$2,677/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,960/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,041
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,275
−HK$1,253/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,662
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,207
−HK$1,570/mo
Today · 4.125%
HK$52,777
baseline
▲ 0.50% · 4.625%
HK$55,988
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,554/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,249
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,503/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,303
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,939
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,742
−HK$1,831/mo
Today · 4.125%
HK$61,573
baseline
▲ 0.50% · 4.625%
HK$65,319
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,146/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,457
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$1,753/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$71,521
+HK$3,582/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,493
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,811
−HK$2,354/mo
Today · 4.125%
HK$79,165
baseline
▲ 0.50% · 4.625%
HK$83,982
+HK$4,817/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,330/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,873
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,096
−HK$2,255/mo
Today · 4.125%
HK$87,351
baseline
▲ 0.50% · 4.625%
HK$91,955
+HK$4,604/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,602 · Scale 2, in force from 26 Feb 2026)