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$41,444
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,733
−HK$1,310/mo
Today · 4.125%
HK$44,043
baseline
▲ 0.50% · 4.625%
HK$46,723
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,086/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,106
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,254/mo
Today · 4.125%
HK$48,597
baseline
▲ 0.50% · 4.625%
HK$51,159
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,194/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,733
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,280
−HK$1,572/mo
Today · 4.125%
HK$52,852
baseline
▲ 0.50% · 4.625%
HK$56,068
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,704/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,328
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,812
−HK$1,505/mo
Today · 4.125%
HK$58,317
baseline
▲ 0.50% · 4.625%
HK$61,391
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,634/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,022
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,827
−HK$1,834/mo
Today · 4.125%
HK$61,661
baseline
▲ 0.50% · 4.625%
HK$65,412
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,322/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,549
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,280
−HK$1,756/mo
Today · 4.125%
HK$68,036
baseline
▲ 0.50% · 4.625%
HK$71,623
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,072/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,600
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,920
−HK$2,358/mo
Today · 4.125%
HK$79,278
baseline
▲ 0.50% · 4.625%
HK$84,102
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,556/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,991
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,217
−HK$2,258/mo
Today · 4.125%
HK$87,475
baseline
▲ 0.50% · 4.625%
HK$92,086
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,950/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,574 · Scale 2, in force from 26 Feb 2026)