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$41,448
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,310/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,728
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,111
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,255/mo
Today · 4.125%
HK$48,602
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,204/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,738
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,572/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$56,073
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,333
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,817
−HK$1,505/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,397
+HK$3,075/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,028
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,834/mo
Today · 4.125%
HK$61,666
baseline
▲ 0.50% · 4.625%
HK$65,419
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,332/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,555
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,286
−HK$1,757/mo
Today · 4.125%
HK$68,043
baseline
▲ 0.50% · 4.625%
HK$71,629
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,086/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,927
−HK$2,358/mo
Today · 4.125%
HK$79,285
baseline
▲ 0.50% · 4.625%
HK$84,110
+HK$4,825/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,570/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,999
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,225
−HK$2,259/mo
Today · 4.125%
HK$87,484
baseline
▲ 0.50% · 4.625%
HK$92,095
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,968/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,638 · Scale 2, in force from 26 Feb 2026)