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$41,404
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,692
−HK$1,308/mo
Today · 4.125%
HK$44,000
baseline
▲ 0.50% · 4.625%
HK$46,678
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,000/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,061
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,297
−HK$1,253/mo
Today · 4.125%
HK$48,550
baseline
▲ 0.50% · 4.625%
HK$51,109
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,100/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,230
−HK$1,570/mo
Today · 4.125%
HK$52,800
baseline
▲ 0.50% · 4.625%
HK$56,013
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,600/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,274
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,756
−HK$1,504/mo
Today · 4.125%
HK$58,260
baseline
▲ 0.50% · 4.625%
HK$61,331
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,520/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,832/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$65,349
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,486
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,755/mo
Today · 4.125%
HK$67,970
baseline
▲ 0.50% · 4.625%
HK$71,553
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,940/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,527
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,845
−HK$2,355/mo
Today · 4.125%
HK$79,200
baseline
▲ 0.50% · 4.625%
HK$84,020
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,400/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,911
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,134
−HK$2,256/mo
Today · 4.125%
HK$87,390
baseline
▲ 0.50% · 4.625%
HK$91,996
+HK$4,606/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,780/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,909 · Scale 2, in force from 26 Feb 2026)