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$41,439
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,728
−HK$1,309/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,717
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,100
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,255/mo
Today · 4.125%
HK$48,591
baseline
▲ 0.50% · 4.625%
HK$51,152
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,182/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,726
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,572/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$56,060
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,320
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,804
−HK$1,505/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,014
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,819
−HK$1,833/mo
Today · 4.125%
HK$61,652
baseline
▲ 0.50% · 4.625%
HK$65,403
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,304/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,540
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,271
−HK$1,756/mo
Today · 4.125%
HK$68,027
baseline
▲ 0.50% · 4.625%
HK$71,613
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,054/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,589
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,910
−HK$2,357/mo
Today · 4.125%
HK$79,267
baseline
▲ 0.50% · 4.625%
HK$84,090
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,534/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,980
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,205
−HK$2,258/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,073
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,479 · Scale 2, in force from 26 Feb 2026)