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$41,642
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,316/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,326
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,260/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,403
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,970
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,525
−HK$1,579/mo
Today · 4.125%
HK$53,104
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,208/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,591
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,082
−HK$1,513/mo
Today · 4.125%
HK$58,595
baseline
▲ 0.50% · 4.625%
HK$61,683
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,190/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,299
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,842/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,724
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,857
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,596
−HK$1,765/mo
Today · 4.125%
HK$68,361
baseline
▲ 0.50% · 4.625%
HK$71,964
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,722/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,955
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,287
−HK$2,369/mo
Today · 4.125%
HK$79,656
baseline
▲ 0.50% · 4.625%
HK$84,503
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,312/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,387
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,624
−HK$2,268/mo
Today · 4.125%
HK$87,892
baseline
▲ 0.50% · 4.625%
HK$92,525
+HK$4,633/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,784/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,823 · Scale 2, in force from 26 Feb 2026)