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$41,638
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,316/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,942
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,261/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,579/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,586
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,513/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$61,678
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,293
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,107
−HK$1,842/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,718
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,851
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$1,764/mo
Today · 4.125%
HK$68,354
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,708/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,949
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,280
−HK$2,368/mo
Today · 4.125%
HK$79,648
baseline
▲ 0.50% · 4.625%
HK$84,495
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,296/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,380
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,268/mo
Today · 4.125%
HK$87,884
baseline
▲ 0.50% · 4.625%
HK$92,517
+HK$4,633/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,768/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,760 · Scale 2, in force from 26 Feb 2026)