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$41,626
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,921
−HK$1,315/mo
Today · 4.125%
HK$44,236
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,472/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,551
−HK$1,259/mo
Today · 4.125%
HK$48,810
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,620/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,579/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$56,314
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,061
−HK$1,512/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$61,660
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,276
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,842/mo
Today · 4.125%
HK$61,931
baseline
▲ 0.50% · 4.625%
HK$65,699
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,862/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,832
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,571
−HK$1,764/mo
Today · 4.125%
HK$68,335
baseline
▲ 0.50% · 4.625%
HK$71,937
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,670/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,927
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,258
−HK$2,367/mo
Today · 4.125%
HK$79,625
baseline
▲ 0.50% · 4.625%
HK$84,470
+HK$4,845/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,250/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,355
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,591
−HK$2,268/mo
Today · 4.125%
HK$87,859
baseline
▲ 0.50% · 4.625%
HK$92,490
+HK$4,631/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,718/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,562 · Scale 2, in force from 26 Feb 2026)