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$41,366
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,307/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,254
−HK$1,252/mo
Today · 4.125%
HK$48,506
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,012/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,640
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,184
−HK$1,568/mo
Today · 4.125%
HK$52,752
baseline
▲ 0.50% · 4.625%
HK$55,962
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,504/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,223
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,705
−HK$1,502/mo
Today · 4.125%
HK$58,207
baseline
▲ 0.50% · 4.625%
HK$61,275
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,414/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,714
−HK$1,830/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,427
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,155
−HK$1,753/mo
Today · 4.125%
HK$67,908
baseline
▲ 0.50% · 4.625%
HK$71,488
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,816/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,459
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,775
−HK$2,354/mo
Today · 4.125%
HK$79,129
baseline
▲ 0.50% · 4.625%
HK$83,943
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,258/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,835
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,057
−HK$2,253/mo
Today · 4.125%
HK$87,310
baseline
▲ 0.50% · 4.625%
HK$91,913
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,620/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,290 · Scale 2, in force from 26 Feb 2026)