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$41,353
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,639
−HK$1,307/mo
Today · 4.125%
HK$43,946
baseline
▲ 0.50% · 4.625%
HK$46,620
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,892/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,238
−HK$1,252/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,046
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,623
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,568/mo
Today · 4.125%
HK$52,735
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,470/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,205
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,502/mo
Today · 4.125%
HK$58,188
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,376/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,830/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$65,268
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,133
−HK$1,753/mo
Today · 4.125%
HK$67,886
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,772/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,750
−HK$2,352/mo
Today · 4.125%
HK$79,102
baseline
▲ 0.50% · 4.625%
HK$83,915
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,204/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,029
−HK$2,253/mo
Today · 4.125%
HK$87,282
baseline
▲ 0.50% · 4.625%
HK$91,882
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,564/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,065 · Scale 2, in force from 26 Feb 2026)