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$41,650
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,317/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,955
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,335
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,260/mo
Today · 4.125%
HK$48,838
baseline
▲ 0.50% · 4.625%
HK$51,413
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,676/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,980
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,579/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,602
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,093
−HK$1,513/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$61,695
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,310
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,842/mo
Today · 4.125%
HK$61,966
baseline
▲ 0.50% · 4.625%
HK$65,737
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,932/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,869
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$1,765/mo
Today · 4.125%
HK$68,374
baseline
▲ 0.50% · 4.625%
HK$71,978
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,748/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,970
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,369/mo
Today · 4.125%
HK$79,671
baseline
▲ 0.50% · 4.625%
HK$84,519
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,342/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,403
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,640
−HK$2,269/mo
Today · 4.125%
HK$87,909
baseline
▲ 0.50% · 4.625%
HK$92,543
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,818/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,954 · Scale 2, in force from 26 Feb 2026)