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$41,505
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,796
−HK$1,312/mo
Today · 4.125%
HK$44,108
baseline
▲ 0.50% · 4.625%
HK$46,791
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,216/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,256/mo
Today · 4.125%
HK$48,668
baseline
▲ 0.50% · 4.625%
HK$51,234
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,336/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,806
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,355
−HK$1,574/mo
Today · 4.125%
HK$52,929
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,858/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,409
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,895
−HK$1,507/mo
Today · 4.125%
HK$58,402
baseline
▲ 0.50% · 4.625%
HK$61,481
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,804/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,914
−HK$1,837/mo
Today · 4.125%
HK$61,751
baseline
▲ 0.50% · 4.625%
HK$65,508
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,502/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,643
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,377
−HK$1,759/mo
Today · 4.125%
HK$68,136
baseline
▲ 0.50% · 4.625%
HK$71,727
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,272/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,709
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,033
−HK$2,361/mo
Today · 4.125%
HK$79,394
baseline
▲ 0.50% · 4.625%
HK$84,225
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,788/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,113
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,342
−HK$2,261/mo
Today · 4.125%
HK$87,603
baseline
▲ 0.50% · 4.625%
HK$92,221
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,206/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,570 · Scale 2, in force from 26 Feb 2026)