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$41,622
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,315/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,691/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,304
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,546
−HK$1,260/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,378
+HK$2,572/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,946
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,500
−HK$1,578/mo
Today · 4.125%
HK$53,078
baseline
▲ 0.50% · 4.625%
HK$56,308
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,156/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,565
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,512/mo
Today · 4.125%
HK$58,567
baseline
▲ 0.50% · 4.625%
HK$61,654
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,134/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,271
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,083
−HK$1,842/mo
Today · 4.125%
HK$61,925
baseline
▲ 0.50% · 4.625%
HK$65,693
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,850/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,564
−HK$1,764/mo
Today · 4.125%
HK$68,328
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$3,601/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,656/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,919
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,250
−HK$2,367/mo
Today · 4.125%
HK$79,617
baseline
▲ 0.50% · 4.625%
HK$84,462
+HK$4,845/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,234/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,347
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,582
−HK$2,268/mo
Today · 4.125%
HK$87,850
baseline
▲ 0.50% · 4.625%
HK$92,481
+HK$4,631/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,700/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,493 · Scale 2, in force from 26 Feb 2026)