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$41,424
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,712
−HK$1,310/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,700
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,084
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,253/mo
Today · 4.125%
HK$48,573
baseline
▲ 0.50% · 4.625%
HK$51,134
+HK$2,561/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,146/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,709
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,571/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$56,040
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,300
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,504/mo
Today · 4.125%
HK$58,288
baseline
▲ 0.50% · 4.625%
HK$61,361
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,576/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,993
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,797
−HK$1,833/mo
Today · 4.125%
HK$61,630
baseline
▲ 0.50% · 4.625%
HK$65,380
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,260/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,517
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,247
−HK$1,756/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$71,587
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,563
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,882
−HK$2,357/mo
Today · 4.125%
HK$79,239
baseline
▲ 0.50% · 4.625%
HK$84,060
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,478/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,951
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,257/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,041
+HK$4,609/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,238 · Scale 2, in force from 26 Feb 2026)