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$41,405
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,693
−HK$1,309/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,298
−HK$1,254/mo
Today · 4.125%
HK$48,552
baseline
▲ 0.50% · 4.625%
HK$51,111
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,104/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,686
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,232
−HK$1,570/mo
Today · 4.125%
HK$52,802
baseline
▲ 0.50% · 4.625%
HK$56,015
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,604/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,276
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,758
−HK$1,504/mo
Today · 4.125%
HK$58,262
baseline
▲ 0.50% · 4.625%
HK$61,333
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,524/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,968
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,832/mo
Today · 4.125%
HK$61,603
baseline
▲ 0.50% · 4.625%
HK$65,351
+HK$3,748/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,206/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,488
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,218
−HK$1,754/mo
Today · 4.125%
HK$67,972
baseline
▲ 0.50% · 4.625%
HK$71,555
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,944/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,530
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,848
−HK$2,355/mo
Today · 4.125%
HK$79,203
baseline
▲ 0.50% · 4.625%
HK$84,023
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,406/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,914
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,137
−HK$2,256/mo
Today · 4.125%
HK$87,393
baseline
▲ 0.50% · 4.625%
HK$92,000
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,786/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,934 · Scale 2, in force from 26 Feb 2026)