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$41,645
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,316/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,260/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,975
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,529
−HK$1,579/mo
Today · 4.125%
HK$53,108
baseline
▲ 0.50% · 4.625%
HK$56,340
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,216/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,596
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,513/mo
Today · 4.125%
HK$58,600
baseline
▲ 0.50% · 4.625%
HK$61,689
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,200/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,304
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,117
−HK$1,843/mo
Today · 4.125%
HK$61,960
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,920/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,602
−HK$1,764/mo
Today · 4.125%
HK$68,366
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,732/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,962
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,294
−HK$2,369/mo
Today · 4.125%
HK$79,663
baseline
▲ 0.50% · 4.625%
HK$84,510
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,326/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,394
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,631
−HK$2,269/mo
Today · 4.125%
HK$87,900
baseline
▲ 0.50% · 4.625%
HK$92,533
+HK$4,633/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,800/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,881 · Scale 2, in force from 26 Feb 2026)