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$41,581
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,875
−HK$1,314/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,878
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,259
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,499
−HK$1,259/mo
Today · 4.125%
HK$48,758
baseline
▲ 0.50% · 4.625%
HK$51,328
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,516/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,898
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,577/mo
Today · 4.125%
HK$53,027
baseline
▲ 0.50% · 4.625%
HK$56,253
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,054/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,511
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,511/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,214
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,025
−HK$1,839/mo
Today · 4.125%
HK$61,864
baseline
▲ 0.50% · 4.625%
HK$65,629
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,728/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,762
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,499
−HK$1,762/mo
Today · 4.125%
HK$68,261
baseline
▲ 0.50% · 4.625%
HK$71,859
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,522/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,846
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,366/mo
Today · 4.125%
HK$79,540
baseline
▲ 0.50% · 4.625%
HK$84,380
+HK$4,840/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,080/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,266
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,499
−HK$2,265/mo
Today · 4.125%
HK$87,764
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,528/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,826 · Scale 2, in force from 26 Feb 2026)