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$41,379
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,307/mo
Today · 4.125%
HK$43,974
baseline
▲ 0.50% · 4.625%
HK$46,650
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,948/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,269
−HK$1,252/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,079
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,200
−HK$1,569/mo
Today · 4.125%
HK$52,769
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,538/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,241
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,502/mo
Today · 4.125%
HK$58,225
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,450/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,733
−HK$1,831/mo
Today · 4.125%
HK$61,564
baseline
▲ 0.50% · 4.625%
HK$65,310
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,128/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,448
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,176
−HK$1,754/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,483
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,354/mo
Today · 4.125%
HK$79,154
baseline
▲ 0.50% · 4.625%
HK$83,970
+HK$4,816/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,308/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,861
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,254/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$4,604/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,506 · Scale 2, in force from 26 Feb 2026)