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$41,357
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,307/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,624
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,009
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,252/mo
Today · 4.125%
HK$48,495
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,990/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,628
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,172
−HK$1,568/mo
Today · 4.125%
HK$52,740
baseline
▲ 0.50% · 4.625%
HK$55,949
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,480/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,211
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,692
−HK$1,502/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,261
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,899
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,830/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,413
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,140
−HK$1,753/mo
Today · 4.125%
HK$67,893
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,786/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,442
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,758
−HK$2,352/mo
Today · 4.125%
HK$79,110
baseline
▲ 0.50% · 4.625%
HK$83,924
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,220/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,816
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,037
−HK$2,253/mo
Today · 4.125%
HK$87,290
baseline
▲ 0.50% · 4.625%
HK$91,892
+HK$4,602/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,580/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,134 · Scale 2, in force from 26 Feb 2026)