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$41,391
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,308/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,663
+HK$2,676/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,047
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,253/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,670
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,569/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,257
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,503/mo
Today · 4.125%
HK$58,242
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,484/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,948
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,750
−HK$1,832/mo
Today · 4.125%
HK$61,582
baseline
▲ 0.50% · 4.625%
HK$65,329
+HK$3,747/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,164/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,466
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,195
−HK$1,754/mo
Today · 4.125%
HK$67,949
baseline
▲ 0.50% · 4.625%
HK$71,531
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,898/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,822
−HK$2,355/mo
Today · 4.125%
HK$79,177
baseline
▲ 0.50% · 4.625%
HK$83,994
+HK$4,817/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,354/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,885
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,108
−HK$2,255/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$91,969
+HK$4,606/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,703 · Scale 2, in force from 26 Feb 2026)