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$41,417
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,309/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,254/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,125
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,246
−HK$1,571/mo
Today · 4.125%
HK$52,817
baseline
▲ 0.50% · 4.625%
HK$56,030
+HK$3,213/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,634/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,291
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,774
−HK$1,504/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,350
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,983
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,787
−HK$1,832/mo
Today · 4.125%
HK$61,619
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,238/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,506
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,236
−HK$1,755/mo
Today · 4.125%
HK$67,991
baseline
▲ 0.50% · 4.625%
HK$71,575
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,982/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,550
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,869
−HK$2,356/mo
Today · 4.125%
HK$79,225
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,450/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,936
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,160
−HK$2,257/mo
Today · 4.125%
HK$87,417
baseline
▲ 0.50% · 4.625%
HK$92,025
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,834/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,119 · Scale 2, in force from 26 Feb 2026)