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$41,455
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,744
−HK$1,310/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,735
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,118
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,255/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,172
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,746
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,293
−HK$1,572/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$56,082
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,341
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,826
−HK$1,505/mo
Today · 4.125%
HK$58,331
baseline
▲ 0.50% · 4.625%
HK$61,406
+HK$3,075/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,662/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,037
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,842
−HK$1,834/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,297
−HK$1,756/mo
Today · 4.125%
HK$68,053
baseline
▲ 0.50% · 4.625%
HK$71,641
+HK$3,588/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$136,106/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,618
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,359/mo
Today · 4.125%
HK$79,298
baseline
▲ 0.50% · 4.625%
HK$84,123
+HK$4,825/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,596/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,012
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,239
−HK$2,258/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,109
+HK$4,612/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,744 · Scale 2, in force from 26 Feb 2026)