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$41,360
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,307/mo
Today · 4.125%
HK$43,954
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,908/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,013
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,247
−HK$1,252/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,055
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,569/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$3,209/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$105,490/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,502/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,266
+HK$3,068/mo
Deposit HK$7.26M · loan HK$10.88M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,904
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,705
−HK$1,830/mo
Today · 4.125%
HK$61,535
baseline
▲ 0.50% · 4.625%
HK$65,280
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,070/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,418
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$1,752/mo
Today · 4.125%
HK$67,898
baseline
▲ 0.50% · 4.625%
HK$71,477
+HK$3,579/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,796/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,448
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,764
−HK$2,353/mo
Today · 4.125%
HK$79,117
baseline
▲ 0.50% · 4.625%
HK$83,931
+HK$4,814/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,234/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,823
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,044
−HK$2,254/mo
Today · 4.125%
HK$87,298
baseline
▲ 0.50% · 4.625%
HK$91,899
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,596/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,190 · Scale 2, in force from 26 Feb 2026)