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$41,361
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,308/mo
Today · 4.125%
HK$43,955
baseline
▲ 0.50% · 4.625%
HK$46,629
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,910/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,013
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,248
−HK$1,251/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,056
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,633
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,568/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,955
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,490/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,216
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,502/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,905
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,706
−HK$1,830/mo
Today · 4.125%
HK$61,536
baseline
▲ 0.50% · 4.625%
HK$65,281
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,072/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,419
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,147
−HK$1,752/mo
Today · 4.125%
HK$67,899
baseline
▲ 0.50% · 4.625%
HK$71,478
+HK$3,579/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,798/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,449
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,765
−HK$2,353/mo
Today · 4.125%
HK$79,118
baseline
▲ 0.50% · 4.625%
HK$83,932
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,236/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,824
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,046
−HK$2,253/mo
Today · 4.125%
HK$87,299
baseline
▲ 0.50% · 4.625%
HK$91,901
+HK$4,602/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,598/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,201 · Scale 2, in force from 26 Feb 2026)