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$41,426
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,714
−HK$1,310/mo
Today · 4.125%
HK$44,024
baseline
▲ 0.50% · 4.625%
HK$46,702
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,048/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,086
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,322
−HK$1,254/mo
Today · 4.125%
HK$48,576
baseline
▲ 0.50% · 4.625%
HK$51,136
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,152/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,711
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,571/mo
Today · 4.125%
HK$52,828
baseline
▲ 0.50% · 4.625%
HK$56,043
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,656/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,303
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,786
−HK$1,505/mo
Today · 4.125%
HK$58,291
baseline
▲ 0.50% · 4.625%
HK$61,364
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,582/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,996
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,833/mo
Today · 4.125%
HK$61,633
baseline
▲ 0.50% · 4.625%
HK$65,383
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,266/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,520
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$1,755/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$71,591
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,567
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,886
−HK$2,357/mo
Today · 4.125%
HK$79,243
baseline
▲ 0.50% · 4.625%
HK$84,064
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,486/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,955
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,179
−HK$2,257/mo
Today · 4.125%
HK$87,436
baseline
▲ 0.50% · 4.625%
HK$92,045
+HK$4,609/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,872/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,271 · Scale 2, in force from 26 Feb 2026)