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$41,606
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,315/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,905
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,260/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,927
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,578/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$56,286
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,543
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,033
−HK$1,511/mo
Today · 4.125%
HK$58,544
baseline
▲ 0.50% · 4.625%
HK$61,630
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,088/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,248
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,841/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,667
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,801
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,538
−HK$1,763/mo
Today · 4.125%
HK$68,301
baseline
▲ 0.50% · 4.625%
HK$71,902
+HK$3,601/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,602/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,891
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,220
−HK$2,367/mo
Today · 4.125%
HK$79,587
baseline
▲ 0.50% · 4.625%
HK$84,429
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,174/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,315
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,549
−HK$2,267/mo
Today · 4.125%
HK$87,816
baseline
▲ 0.50% · 4.625%
HK$92,445
+HK$4,629/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,632/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,230 · Scale 2, in force from 26 Feb 2026)