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$41,370
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,657
−HK$1,307/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,024
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,252/mo
Today · 4.125%
HK$48,510
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,020/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,644
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,188
−HK$1,569/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,228
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,502/mo
Today · 4.125%
HK$58,212
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,424/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,918
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,720
−HK$1,830/mo
Today · 4.125%
HK$61,550
baseline
▲ 0.50% · 4.625%
HK$65,295
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,100/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,433
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,161
−HK$1,753/mo
Today · 4.125%
HK$67,914
baseline
▲ 0.50% · 4.625%
HK$71,494
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,828/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,466
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,782
−HK$2,354/mo
Today · 4.125%
HK$79,136
baseline
▲ 0.50% · 4.625%
HK$83,951
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,272/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,843
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,065
−HK$2,253/mo
Today · 4.125%
HK$87,318
baseline
▲ 0.50% · 4.625%
HK$91,921
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,636/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,352 · Scale 2, in force from 26 Feb 2026)