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$41,620
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,315/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,922
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,260/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,572/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,944
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,578/mo
Today · 4.125%
HK$53,076
baseline
▲ 0.50% · 4.625%
HK$56,306
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,152/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,563
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,512/mo
Today · 4.125%
HK$58,565
baseline
▲ 0.50% · 4.625%
HK$61,652
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,130/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,268
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,081
−HK$1,841/mo
Today · 4.125%
HK$61,922
baseline
▲ 0.50% · 4.625%
HK$65,690
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,844/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,823
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,562
−HK$1,763/mo
Today · 4.125%
HK$68,325
baseline
▲ 0.50% · 4.625%
HK$71,927
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,650/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,917
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,247
−HK$2,368/mo
Today · 4.125%
HK$79,615
baseline
▲ 0.50% · 4.625%
HK$84,459
+HK$4,844/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,230/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,344
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,579
−HK$2,268/mo
Today · 4.125%
HK$87,847
baseline
▲ 0.50% · 4.625%
HK$92,477
+HK$4,630/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,694/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,469 · Scale 2, in force from 26 Feb 2026)