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$41,430
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,718
−HK$1,310/mo
Today · 4.125%
HK$44,028
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,679/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,056/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,090
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,326
−HK$1,254/mo
Today · 4.125%
HK$48,580
baseline
▲ 0.50% · 4.625%
HK$51,141
+HK$2,561/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,160/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,716
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,571/mo
Today · 4.125%
HK$52,833
baseline
▲ 0.50% · 4.625%
HK$56,048
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,666/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,792
−HK$1,504/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,002
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,806
−HK$1,833/mo
Today · 4.125%
HK$61,639
baseline
▲ 0.50% · 4.625%
HK$65,389
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,278/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,526
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,257
−HK$1,755/mo
Today · 4.125%
HK$68,012
baseline
▲ 0.50% · 4.625%
HK$71,597
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,024/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,574
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,893
−HK$2,357/mo
Today · 4.125%
HK$79,250
baseline
▲ 0.50% · 4.625%
HK$84,072
+HK$4,822/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,500/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,962
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,187
−HK$2,257/mo
Today · 4.125%
HK$87,444
baseline
▲ 0.50% · 4.625%
HK$92,054
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,888/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,334 · Scale 2, in force from 26 Feb 2026)