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$41,617
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,315/mo
Today · 4.125%
HK$44,227
baseline
▲ 0.50% · 4.625%
HK$46,918
+HK$2,691/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,454/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,299
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,259/mo
Today · 4.125%
HK$48,800
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,600/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,941
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,494
−HK$1,579/mo
Today · 4.125%
HK$53,073
baseline
▲ 0.50% · 4.625%
HK$56,302
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,146/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,559
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,049
−HK$1,511/mo
Today · 4.125%
HK$58,560
baseline
▲ 0.50% · 4.625%
HK$61,647
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,120/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,264
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,077
−HK$1,841/mo
Today · 4.125%
HK$61,918
baseline
▲ 0.50% · 4.625%
HK$65,686
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,836/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,818
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,557
−HK$1,763/mo
Today · 4.125%
HK$68,320
baseline
▲ 0.50% · 4.625%
HK$71,922
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,640/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,911
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,241
−HK$2,368/mo
Today · 4.125%
HK$79,609
baseline
▲ 0.50% · 4.625%
HK$84,453
+HK$4,844/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,218/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,338
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,573
−HK$2,267/mo
Today · 4.125%
HK$87,840
baseline
▲ 0.50% · 4.625%
HK$92,471
+HK$4,631/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,680/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,419 · Scale 2, in force from 26 Feb 2026)