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$41,602
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,896
−HK$1,315/mo
Today · 4.125%
HK$44,211
baseline
▲ 0.50% · 4.625%
HK$46,901
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,422/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,282
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,523
−HK$1,259/mo
Today · 4.125%
HK$48,782
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,564/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,922
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,578/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$56,281
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,538
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,511/mo
Today · 4.125%
HK$58,539
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,078/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,243
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,054
−HK$1,841/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,661
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,794
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,532
−HK$1,763/mo
Today · 4.125%
HK$68,295
baseline
▲ 0.50% · 4.625%
HK$71,895
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,590/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,883
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,213
−HK$2,366/mo
Today · 4.125%
HK$79,579
baseline
▲ 0.50% · 4.625%
HK$84,421
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,158/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,307
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,541
−HK$2,267/mo
Today · 4.125%
HK$87,808
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,616/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,165 · Scale 2, in force from 26 Feb 2026)