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$41,651
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,316/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,694/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,261/mo
Today · 4.125%
HK$48,839
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,678/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,580/mo
Today · 4.125%
HK$53,115
baseline
▲ 0.50% · 4.625%
HK$56,347
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,230/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,603
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,513/mo
Today · 4.125%
HK$58,607
baseline
▲ 0.50% · 4.625%
HK$61,696
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,214/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,311
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,125
−HK$1,842/mo
Today · 4.125%
HK$61,967
baseline
▲ 0.50% · 4.625%
HK$65,738
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,934/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,870
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,610
−HK$1,765/mo
Today · 4.125%
HK$68,375
baseline
▲ 0.50% · 4.625%
HK$71,979
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,750/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,369/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,404
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,641
−HK$2,270/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$92,544
+HK$4,633/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,965 · Scale 2, in force from 26 Feb 2026)