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$41,390
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,677
−HK$1,308/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,662
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,281
−HK$1,253/mo
Today · 4.125%
HK$48,534
baseline
▲ 0.50% · 4.625%
HK$51,092
+HK$2,558/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,068/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,668
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,213
−HK$1,569/mo
Today · 4.125%
HK$52,782
baseline
▲ 0.50% · 4.625%
HK$55,994
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,564/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,255
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,737
−HK$1,503/mo
Today · 4.125%
HK$58,240
baseline
▲ 0.50% · 4.625%
HK$61,310
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,480/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,946
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,748
−HK$1,832/mo
Today · 4.125%
HK$61,580
baseline
▲ 0.50% · 4.625%
HK$65,327
+HK$3,747/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,160/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,464
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,193
−HK$1,754/mo
Today · 4.125%
HK$67,947
baseline
▲ 0.50% · 4.625%
HK$71,529
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,894/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,502
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,819
−HK$2,355/mo
Today · 4.125%
HK$79,174
baseline
▲ 0.50% · 4.625%
HK$83,991
+HK$4,817/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,348/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,882
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,105
−HK$2,255/mo
Today · 4.125%
HK$87,360
baseline
▲ 0.50% · 4.625%
HK$91,965
+HK$4,605/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,720/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,679 · Scale 2, in force from 26 Feb 2026)