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$41,377
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,308/mo
Today · 4.125%
HK$43,972
baseline
▲ 0.50% · 4.625%
HK$46,648
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,944/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,253/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,653
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,197
−HK$1,569/mo
Today · 4.125%
HK$52,766
baseline
▲ 0.50% · 4.625%
HK$55,977
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,532/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,238
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,720
−HK$1,503/mo
Today · 4.125%
HK$58,223
baseline
▲ 0.50% · 4.625%
HK$61,292
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,446/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,928
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,730
−HK$1,831/mo
Today · 4.125%
HK$61,561
baseline
▲ 0.50% · 4.625%
HK$65,307
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,122/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,445
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,173
−HK$1,753/mo
Today · 4.125%
HK$67,926
baseline
▲ 0.50% · 4.625%
HK$71,507
+HK$3,581/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,852/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,354/mo
Today · 4.125%
HK$79,150
baseline
▲ 0.50% · 4.625%
HK$83,966
+HK$4,816/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,300/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,857
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,080
−HK$2,254/mo
Today · 4.125%
HK$87,334
baseline
▲ 0.50% · 4.625%
HK$91,937
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,668/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,472 · Scale 2, in force from 26 Feb 2026)