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$41,407
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,695
−HK$1,308/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,300
−HK$1,253/mo
Today · 4.125%
HK$48,553
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,106/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,233
−HK$1,571/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$56,017
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,277
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,760
−HK$1,504/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,335
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,969
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,772
−HK$1,832/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$65,353
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,490
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$1,754/mo
Today · 4.125%
HK$67,974
baseline
▲ 0.50% · 4.625%
HK$71,557
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,948/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,532
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,850
−HK$2,356/mo
Today · 4.125%
HK$79,206
baseline
▲ 0.50% · 4.625%
HK$84,025
+HK$4,819/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,412/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,916
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,140
−HK$2,255/mo
Today · 4.125%
HK$87,395
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,790/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,952 · Scale 2, in force from 26 Feb 2026)