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$41,409
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,309/mo
Today · 4.125%
HK$44,006
baseline
▲ 0.50% · 4.625%
HK$46,683
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,012/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,067
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,253/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,115
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,691
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,236
−HK$1,571/mo
Today · 4.125%
HK$52,807
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$105,614/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,280
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,504/mo
Today · 4.125%
HK$58,267
baseline
▲ 0.50% · 4.625%
HK$61,338
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$116,534/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,973
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,776
−HK$1,832/mo
Today · 4.125%
HK$61,608
baseline
▲ 0.50% · 4.625%
HK$65,357
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,216/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,494
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,224
−HK$1,754/mo
Today · 4.125%
HK$67,978
baseline
▲ 0.50% · 4.625%
HK$71,562
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,956/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,536
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,855
−HK$2,355/mo
Today · 4.125%
HK$79,210
baseline
▲ 0.50% · 4.625%
HK$84,030
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,420/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,921
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,145
−HK$2,256/mo
Today · 4.125%
HK$87,401
baseline
▲ 0.50% · 4.625%
HK$92,008
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,802/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,993 · Scale 2, in force from 26 Feb 2026)