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$41,576
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,869
−HK$1,314/mo
Today · 4.125%
HK$44,183
baseline
▲ 0.50% · 4.625%
HK$46,872
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,366/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,253
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,259/mo
Today · 4.125%
HK$48,752
baseline
▲ 0.50% · 4.625%
HK$51,321
+HK$2,569/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,504/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,891
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,443
−HK$1,577/mo
Today · 4.125%
HK$53,020
baseline
▲ 0.50% · 4.625%
HK$56,246
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,040/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,503
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,992
−HK$1,510/mo
Today · 4.125%
HK$58,502
baseline
▲ 0.50% · 4.625%
HK$61,586
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,004/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,206
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,017
−HK$1,839/mo
Today · 4.125%
HK$61,856
baseline
▲ 0.50% · 4.625%
HK$65,620
+HK$3,764/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,712/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,754
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,491
−HK$1,761/mo
Today · 4.125%
HK$68,252
baseline
▲ 0.50% · 4.625%
HK$71,850
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,504/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,837
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,164
−HK$2,366/mo
Today · 4.125%
HK$79,530
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,839/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,060/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,255
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,488
−HK$2,265/mo
Today · 4.125%
HK$87,753
baseline
▲ 0.50% · 4.625%
HK$92,379
+HK$4,626/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,506/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,738 · Scale 2, in force from 26 Feb 2026)