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$41,368
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,655
−HK$1,307/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,637
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,022
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,256
−HK$1,252/mo
Today · 4.125%
HK$48,508
baseline
▲ 0.50% · 4.625%
HK$51,065
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,016/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,642
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,186
−HK$1,569/mo
Today · 4.125%
HK$52,755
baseline
▲ 0.50% · 4.625%
HK$55,965
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,510/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,226
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,707
−HK$1,503/mo
Today · 4.125%
HK$58,210
baseline
▲ 0.50% · 4.625%
HK$61,278
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,420/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,916
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,830/mo
Today · 4.125%
HK$61,547
baseline
▲ 0.50% · 4.625%
HK$65,292
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,094/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,430
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,158
−HK$1,753/mo
Today · 4.125%
HK$67,911
baseline
▲ 0.50% · 4.625%
HK$71,491
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,822/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,463
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,779
−HK$2,353/mo
Today · 4.125%
HK$79,132
baseline
▲ 0.50% · 4.625%
HK$83,947
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,264/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,839
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,061
−HK$2,254/mo
Today · 4.125%
HK$87,315
baseline
▲ 0.50% · 4.625%
HK$91,917
+HK$4,602/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,630/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,323 · Scale 2, in force from 26 Feb 2026)