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$41,351
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,307/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,618
+HK$2,673/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,251/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,044
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,165
−HK$1,568/mo
Today · 4.125%
HK$52,733
baseline
▲ 0.50% · 4.625%
HK$55,942
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,466/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,502/mo
Today · 4.125%
HK$58,186
baseline
▲ 0.50% · 4.625%
HK$61,253
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,372/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,693
−HK$1,829/mo
Today · 4.125%
HK$61,522
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,044/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,404
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$1,752/mo
Today · 4.125%
HK$67,884
baseline
▲ 0.50% · 4.625%
HK$71,462
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,768/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,433
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,352/mo
Today · 4.125%
HK$79,100
baseline
▲ 0.50% · 4.625%
HK$83,913
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,200/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,805
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,026
−HK$2,253/mo
Today · 4.125%
HK$87,279
baseline
▲ 0.50% · 4.625%
HK$91,880
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,558/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,046 · Scale 2, in force from 26 Feb 2026)