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$41,350
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,306/mo
Today · 4.125%
HK$43,943
baseline
▲ 0.50% · 4.625%
HK$46,617
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,886/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,002
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,236
−HK$1,251/mo
Today · 4.125%
HK$48,487
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,974/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,620
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,568/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,941
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,202
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,683
−HK$1,502/mo
Today · 4.125%
HK$58,185
baseline
▲ 0.50% · 4.625%
HK$61,252
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,370/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,891
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,691
−HK$1,830/mo
Today · 4.125%
HK$61,521
baseline
▲ 0.50% · 4.625%
HK$65,264
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,042/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,403
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,130
−HK$1,752/mo
Today · 4.125%
HK$67,882
baseline
▲ 0.50% · 4.625%
HK$71,460
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,764/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,431
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,746
−HK$2,352/mo
Today · 4.125%
HK$79,098
baseline
▲ 0.50% · 4.625%
HK$83,911
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,803
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,024
−HK$2,253/mo
Today · 4.125%
HK$87,277
baseline
▲ 0.50% · 4.625%
HK$91,878
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,554/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,029 · Scale 2, in force from 26 Feb 2026)