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$41,437
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,310/mo
Today · 4.125%
HK$44,035
baseline
▲ 0.50% · 4.625%
HK$46,714
+HK$2,679/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,070/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,334
−HK$1,254/mo
Today · 4.125%
HK$48,588
baseline
▲ 0.50% · 4.625%
HK$51,149
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,176/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,724
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,271
−HK$1,571/mo
Today · 4.125%
HK$52,842
baseline
▲ 0.50% · 4.625%
HK$56,057
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,684/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,317
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,801
−HK$1,505/mo
Today · 4.125%
HK$58,306
baseline
▲ 0.50% · 4.625%
HK$61,379
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,612/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,011
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,816
−HK$1,833/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$65,400
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,537
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,268
−HK$1,756/mo
Today · 4.125%
HK$68,024
baseline
▲ 0.50% · 4.625%
HK$71,609
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,048/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,586
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,906
−HK$2,357/mo
Today · 4.125%
HK$79,263
baseline
▲ 0.50% · 4.625%
HK$84,086
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,526/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,976
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,201
−HK$2,258/mo
Today · 4.125%
HK$87,459
baseline
▲ 0.50% · 4.625%
HK$92,069
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,918/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,446 · Scale 2, in force from 26 Feb 2026)