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$41,373
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,307/mo
Today · 4.125%
HK$43,967
baseline
▲ 0.50% · 4.625%
HK$46,642
+HK$2,675/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,934/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,027
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,261
−HK$1,252/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,071
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,026/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,647
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,569/mo
Today · 4.125%
HK$52,761
baseline
▲ 0.50% · 4.625%
HK$55,971
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,522/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,232
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,713
−HK$1,503/mo
Today · 4.125%
HK$58,216
baseline
▲ 0.50% · 4.625%
HK$61,285
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,432/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,922
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,830/mo
Today · 4.125%
HK$61,554
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,745/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,108/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,166
−HK$1,753/mo
Today · 4.125%
HK$67,919
baseline
▲ 0.50% · 4.625%
HK$71,499
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,838/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,471
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,787
−HK$2,354/mo
Today · 4.125%
HK$79,141
baseline
▲ 0.50% · 4.625%
HK$83,956
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,282/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,848
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,070
−HK$2,254/mo
Today · 4.125%
HK$87,324
baseline
▲ 0.50% · 4.625%
HK$91,927
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,648/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,397 · Scale 2, in force from 26 Feb 2026)