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$41,365
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,652
−HK$1,307/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,634
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,019
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,252/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,062
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,638
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,182
−HK$1,569/mo
Today · 4.125%
HK$52,751
baseline
▲ 0.50% · 4.625%
HK$55,961
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,502/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,222
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,703
−HK$1,503/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,274
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,713
−HK$1,830/mo
Today · 4.125%
HK$61,543
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,086/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,154
−HK$1,753/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$71,486
+HK$3,579/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,458
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,353/mo
Today · 4.125%
HK$79,127
baseline
▲ 0.50% · 4.625%
HK$83,941
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,254/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,055
−HK$2,254/mo
Today · 4.125%
HK$87,309
baseline
▲ 0.50% · 4.625%
HK$91,911
+HK$4,602/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,618/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,275 · Scale 2, in force from 26 Feb 2026)