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$41,398
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,309/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,671
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,253/mo
Today · 4.125%
HK$48,543
baseline
▲ 0.50% · 4.625%
HK$51,101
+HK$2,558/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,086/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,677
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,223
−HK$1,569/mo
Today · 4.125%
HK$52,792
baseline
▲ 0.50% · 4.625%
HK$56,005
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,584/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,265
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,748
−HK$1,503/mo
Today · 4.125%
HK$58,251
baseline
▲ 0.50% · 4.625%
HK$61,322
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,502/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,957
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,831/mo
Today · 4.125%
HK$61,591
baseline
▲ 0.50% · 4.625%
HK$65,339
+HK$3,748/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,182/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,476
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,206
−HK$1,754/mo
Today · 4.125%
HK$67,960
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,920/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,516
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,834
−HK$2,355/mo
Today · 4.125%
HK$79,189
baseline
▲ 0.50% · 4.625%
HK$84,007
+HK$4,818/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,378/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,898
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,121
−HK$2,256/mo
Today · 4.125%
HK$87,377
baseline
▲ 0.50% · 4.625%
HK$91,983
+HK$4,606/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,754/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,807 · Scale 2, in force from 26 Feb 2026)