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$41,372
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,308/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$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,026
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,261
−HK$1,252/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,070
+HK$2,557/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$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,647
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,191
−HK$1,569/mo
Today · 4.125%
HK$52,760
baseline
▲ 0.50% · 4.625%
HK$55,970
+HK$3,210/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,520/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,231
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,713
−HK$1,502/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,284
+HK$3,069/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,921
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,723
−HK$1,830/mo
Today · 4.125%
HK$61,553
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,746/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,106/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,165
−HK$1,753/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$3,580/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,470
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,786
−HK$2,354/mo
Today · 4.125%
HK$79,140
baseline
▲ 0.50% · 4.625%
HK$83,955
+HK$4,815/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,280/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,847
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,069
−HK$2,254/mo
Today · 4.125%
HK$87,323
baseline
▲ 0.50% · 4.625%
HK$91,926
+HK$4,603/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,646/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,388 · Scale 2, in force from 26 Feb 2026)