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$41,371
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,658
−HK$1,308/mo
Today · 4.125%
HK$43,966
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,932/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,259
−HK$1,253/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,069
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,645
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,569/mo
Today · 4.125%
HK$52,759
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,518/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,711
−HK$1,503/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,283
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,920
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,831/mo
Today · 4.125%
HK$61,552
baseline
▲ 0.50% · 4.625%
HK$65,297
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,104/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,163
−HK$1,753/mo
Today · 4.125%
HK$67,916
baseline
▲ 0.50% · 4.625%
HK$71,496
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,832/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,785
−HK$2,353/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,953
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,845
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,067
−HK$2,254/mo
Today · 4.125%
HK$87,321
baseline
▲ 0.50% · 4.625%
HK$91,924
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,642/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,371 · Scale 2, in force from 26 Feb 2026)