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$41,397
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,308/mo
Today · 4.125%
HK$43,993
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,986/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,253/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,101
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,676
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,222
−HK$1,570/mo
Today · 4.125%
HK$52,792
baseline
▲ 0.50% · 4.625%
HK$56,004
+HK$3,212/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,584/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,265
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,747
−HK$1,503/mo
Today · 4.125%
HK$58,250
baseline
▲ 0.50% · 4.625%
HK$61,321
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,500/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,956
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,759
−HK$1,831/mo
Today · 4.125%
HK$61,590
baseline
▲ 0.50% · 4.625%
HK$65,338
+HK$3,748/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,180/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,475
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,205
−HK$1,754/mo
Today · 4.125%
HK$67,959
baseline
▲ 0.50% · 4.625%
HK$71,541
+HK$3,582/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,918/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,515
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,833
−HK$2,354/mo
Today · 4.125%
HK$79,187
baseline
▲ 0.50% · 4.625%
HK$84,006
+HK$4,819/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,374/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,897
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,120
−HK$2,255/mo
Today · 4.125%
HK$87,375
baseline
▲ 0.50% · 4.625%
HK$91,981
+HK$4,606/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,750/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,796 · Scale 2, in force from 26 Feb 2026)