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$41,369
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,307/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,638
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,252/mo
Today · 4.125%
HK$48,509
baseline
▲ 0.50% · 4.625%
HK$51,066
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,018/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,643
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,569/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,966
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,227
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,503/mo
Today · 4.125%
HK$58,211
baseline
▲ 0.50% · 4.625%
HK$61,279
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,422/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,917
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,831/mo
Today · 4.125%
HK$61,549
baseline
▲ 0.50% · 4.625%
HK$65,294
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,098/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,432
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$1,753/mo
Today · 4.125%
HK$67,913
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,826/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,464
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,781
−HK$2,353/mo
Today · 4.125%
HK$79,134
baseline
▲ 0.50% · 4.625%
HK$83,949
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,268/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,841
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,254/mo
Today · 4.125%
HK$87,316
baseline
▲ 0.50% · 4.625%
HK$91,919
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,632/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,336 · Scale 2, in force from 26 Feb 2026)