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$41,378
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,308/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,267
−HK$1,253/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,077
+HK$2,557/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,198
−HK$1,570/mo
Today · 4.125%
HK$52,768
baseline
▲ 0.50% · 4.625%
HK$55,978
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,536/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,239
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,503/mo
Today · 4.125%
HK$58,224
baseline
▲ 0.50% · 4.625%
HK$61,293
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,448/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,930
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,732
−HK$1,830/mo
Today · 4.125%
HK$61,562
baseline
▲ 0.50% · 4.625%
HK$65,308
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,124/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,446
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$1,754/mo
Today · 4.125%
HK$67,928
baseline
▲ 0.50% · 4.625%
HK$71,508
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,856/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,481
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,798
−HK$2,353/mo
Today · 4.125%
HK$79,151
baseline
▲ 0.50% · 4.625%
HK$83,968
+HK$4,817/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,302/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,859
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,081
−HK$2,255/mo
Today · 4.125%
HK$87,336
baseline
▲ 0.50% · 4.625%
HK$91,939
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,672/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,487 · Scale 2, in force from 26 Feb 2026)