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$41,408
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,696
−HK$1,309/mo
Today · 4.125%
HK$44,005
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,010/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,066
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,301
−HK$1,254/mo
Today · 4.125%
HK$48,555
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,110/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,690
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,235
−HK$1,571/mo
Today · 4.125%
HK$52,806
baseline
▲ 0.50% · 4.625%
HK$56,019
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$105,612/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,279
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,762
−HK$1,504/mo
Today · 4.125%
HK$58,266
baseline
▲ 0.50% · 4.625%
HK$61,337
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$116,532/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,971
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,774
−HK$1,832/mo
Today · 4.125%
HK$61,606
baseline
▲ 0.50% · 4.625%
HK$65,355
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,212/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,492
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,222
−HK$1,755/mo
Today · 4.125%
HK$67,977
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,954/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,534
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,853
−HK$2,355/mo
Today · 4.125%
HK$79,208
baseline
▲ 0.50% · 4.625%
HK$84,028
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,416/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,919
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,143
−HK$2,256/mo
Today · 4.125%
HK$87,399
baseline
▲ 0.50% · 4.625%
HK$92,006
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,798/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,976 · Scale 2, in force from 26 Feb 2026)