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$41,359
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,307/mo
Today · 4.125%
HK$43,953
baseline
▲ 0.50% · 4.625%
HK$46,627
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,906/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,012
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,252/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,631
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,175
−HK$1,568/mo
Today · 4.125%
HK$52,743
baseline
▲ 0.50% · 4.625%
HK$55,953
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,486/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,214
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,695
−HK$1,502/mo
Today · 4.125%
HK$58,197
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,394/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,903
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,704
−HK$1,830/mo
Today · 4.125%
HK$61,534
baseline
▲ 0.50% · 4.625%
HK$65,278
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,068/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,417
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,144
−HK$1,753/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$3,579/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,447
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,762
−HK$2,353/mo
Today · 4.125%
HK$79,115
baseline
▲ 0.50% · 4.625%
HK$83,929
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,230/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,821
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,042
−HK$2,254/mo
Today · 4.125%
HK$87,296
baseline
▲ 0.50% · 4.625%
HK$91,897
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,592/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,175 · Scale 2, in force from 26 Feb 2026)