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$41,395
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,683
−HK$1,308/mo
Today · 4.125%
HK$43,991
baseline
▲ 0.50% · 4.625%
HK$46,668
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,982/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,052
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,253/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,558/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,674
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,570/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,262
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,504/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,318
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,953
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,831/mo
Today · 4.125%
HK$61,587
baseline
▲ 0.50% · 4.625%
HK$65,335
+HK$3,748/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,174/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,202
−HK$1,754/mo
Today · 4.125%
HK$67,956
baseline
▲ 0.50% · 4.625%
HK$71,538
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,912/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,511
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,829
−HK$2,355/mo
Today · 4.125%
HK$79,184
baseline
▲ 0.50% · 4.625%
HK$84,002
+HK$4,818/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,368/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,893
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,116
−HK$2,256/mo
Today · 4.125%
HK$87,372
baseline
▲ 0.50% · 4.625%
HK$91,977
+HK$4,605/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,744/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,765 · Scale 2, in force from 26 Feb 2026)