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$41,452
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,741
−HK$1,310/mo
Today · 4.125%
HK$44,051
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,102/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,115
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,254/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,168
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,742
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,290
−HK$1,572/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$56,078
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,338
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,506/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,402
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,033
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,838
−HK$1,834/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,561
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,292
−HK$1,757/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$71,636
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,614
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,934
−HK$2,358/mo
Today · 4.125%
HK$79,292
baseline
▲ 0.50% · 4.625%
HK$84,117
+HK$4,825/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,584/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,007
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,233
−HK$2,258/mo
Today · 4.125%
HK$87,491
baseline
▲ 0.50% · 4.625%
HK$92,103
+HK$4,612/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,982/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,699 · Scale 2, in force from 26 Feb 2026)