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$41,566
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,313/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,688/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,258/mo
Today · 4.125%
HK$48,740
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,480/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,879
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,577/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,490
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,978
−HK$1,510/mo
Today · 4.125%
HK$58,488
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,976/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,192
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,002
−HK$1,839/mo
Today · 4.125%
HK$61,841
baseline
▲ 0.50% · 4.625%
HK$65,604
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,682/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,738
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,474
−HK$1,762/mo
Today · 4.125%
HK$68,236
baseline
▲ 0.50% · 4.625%
HK$71,832
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,472/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,818
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,145
−HK$2,365/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$84,348
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,467
−HK$2,264/mo
Today · 4.125%
HK$87,731
baseline
▲ 0.50% · 4.625%
HK$92,356
+HK$4,625/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,462/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,570 · Scale 2, in force from 26 Feb 2026)