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$41,392
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,308/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,664
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,048
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,283
−HK$1,252/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,670
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,570/mo
Today · 4.125%
HK$52,785
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,570/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,257
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,504/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,313
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,948
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,751
−HK$1,831/mo
Today · 4.125%
HK$61,582
baseline
▲ 0.50% · 4.625%
HK$65,329
+HK$3,747/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,164/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,467
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,196
−HK$1,754/mo
Today · 4.125%
HK$67,950
baseline
▲ 0.50% · 4.625%
HK$71,531
+HK$3,581/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,900/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,505
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,822
−HK$2,355/mo
Today · 4.125%
HK$79,177
baseline
▲ 0.50% · 4.625%
HK$83,995
+HK$4,818/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,354/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,886
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,255/mo
Today · 4.125%
HK$87,364
baseline
▲ 0.50% · 4.625%
HK$91,969
+HK$4,605/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,728/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,706 · Scale 2, in force from 26 Feb 2026)