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$41,440
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,729
−HK$1,309/mo
Today · 4.125%
HK$44,038
baseline
▲ 0.50% · 4.625%
HK$46,718
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,076/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,101
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,254/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,153
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,274
−HK$1,572/mo
Today · 4.125%
HK$52,846
baseline
▲ 0.50% · 4.625%
HK$56,062
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,692/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,505/mo
Today · 4.125%
HK$58,310
baseline
▲ 0.50% · 4.625%
HK$61,384
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,620/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,016
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,820
−HK$1,834/mo
Today · 4.125%
HK$61,654
baseline
▲ 0.50% · 4.625%
HK$65,405
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,308/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,542
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,273
−HK$1,756/mo
Today · 4.125%
HK$68,029
baseline
▲ 0.50% · 4.625%
HK$71,615
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,058/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,592
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,912
−HK$2,357/mo
Today · 4.125%
HK$79,269
baseline
▲ 0.50% · 4.625%
HK$84,092
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,538/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,982
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,208
−HK$2,258/mo
Today · 4.125%
HK$87,466
baseline
▲ 0.50% · 4.625%
HK$92,076
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,932/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,498 · Scale 2, in force from 26 Feb 2026)