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$41,434
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,310/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,679/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,254/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,146
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,720
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,267
−HK$1,571/mo
Today · 4.125%
HK$52,838
baseline
▲ 0.50% · 4.625%
HK$56,053
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,676/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,313
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,797
−HK$1,505/mo
Today · 4.125%
HK$58,302
baseline
▲ 0.50% · 4.625%
HK$61,375
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,604/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,007
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,833/mo
Today · 4.125%
HK$61,644
baseline
▲ 0.50% · 4.625%
HK$65,395
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,288/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,532
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,263
−HK$1,756/mo
Today · 4.125%
HK$68,019
baseline
▲ 0.50% · 4.625%
HK$71,604
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,038/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,580
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,900
−HK$2,357/mo
Today · 4.125%
HK$79,257
baseline
▲ 0.50% · 4.625%
HK$84,080
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,514/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,970
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,195
−HK$2,257/mo
Today · 4.125%
HK$87,452
baseline
▲ 0.50% · 4.625%
HK$92,062
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,904/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,396 · Scale 2, in force from 26 Feb 2026)