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$41,627
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,315/mo
Today · 4.125%
HK$44,237
baseline
▲ 0.50% · 4.625%
HK$46,929
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,474/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,551
−HK$1,260/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,579/mo
Today · 4.125%
HK$53,085
baseline
▲ 0.50% · 4.625%
HK$56,315
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,170/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,571
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,512/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,148/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,278
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,842/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,700
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,572
−HK$1,764/mo
Today · 4.125%
HK$68,336
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,672/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,928
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,259
−HK$2,368/mo
Today · 4.125%
HK$79,627
baseline
▲ 0.50% · 4.625%
HK$84,472
+HK$4,845/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,254/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,357
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,593
−HK$2,267/mo
Today · 4.125%
HK$87,860
baseline
▲ 0.50% · 4.625%
HK$92,492
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,720/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,575 · Scale 2, in force from 26 Feb 2026)