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$41,380
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,308/mo
Today · 4.125%
HK$43,975
baseline
▲ 0.50% · 4.625%
HK$46,651
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,950/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,035
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,270
−HK$1,252/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,080
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,569/mo
Today · 4.125%
HK$52,770
baseline
▲ 0.50% · 4.625%
HK$55,981
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,540/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,242
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,724
−HK$1,503/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,932
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,831/mo
Today · 4.125%
HK$61,565
baseline
▲ 0.50% · 4.625%
HK$65,311
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,130/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,449
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,178
−HK$1,753/mo
Today · 4.125%
HK$67,931
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$3,581/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,862/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,484
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,801
−HK$2,354/mo
Today · 4.125%
HK$79,155
baseline
▲ 0.50% · 4.625%
HK$83,972
+HK$4,817/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,310/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,863
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,085
−HK$2,255/mo
Today · 4.125%
HK$87,340
baseline
▲ 0.50% · 4.625%
HK$91,944
+HK$4,604/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,680/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,519 · Scale 2, in force from 26 Feb 2026)