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$41,394
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,308/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,666
+HK$2,676/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,050
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,285
−HK$1,253/mo
Today · 4.125%
HK$48,538
baseline
▲ 0.50% · 4.625%
HK$51,097
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,076/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,673
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,218
−HK$1,570/mo
Today · 4.125%
HK$52,788
baseline
▲ 0.50% · 4.625%
HK$56,000
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,576/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,260
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,742
−HK$1,504/mo
Today · 4.125%
HK$58,246
baseline
▲ 0.50% · 4.625%
HK$61,316
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,492/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,952
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,832/mo
Today · 4.125%
HK$61,586
baseline
▲ 0.50% · 4.625%
HK$65,333
+HK$3,747/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,172/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,470
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,200
−HK$1,754/mo
Today · 4.125%
HK$67,954
baseline
▲ 0.50% · 4.625%
HK$71,536
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,908/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,509
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,827
−HK$2,354/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,999
+HK$4,818/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,891
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,114
−HK$2,255/mo
Today · 4.125%
HK$87,369
baseline
▲ 0.50% · 4.625%
HK$91,974
+HK$4,605/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,738/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,745 · Scale 2, in force from 26 Feb 2026)