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$41,435
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,309/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,713
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,096
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,332
−HK$1,254/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,722
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,571/mo
Today · 4.125%
HK$52,840
baseline
▲ 0.50% · 4.625%
HK$56,055
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,680/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,315
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,505/mo
Today · 4.125%
HK$58,304
baseline
▲ 0.50% · 4.625%
HK$61,377
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,608/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,009
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,813
−HK$1,834/mo
Today · 4.125%
HK$61,647
baseline
▲ 0.50% · 4.625%
HK$65,398
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,294/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,534
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,265
−HK$1,756/mo
Today · 4.125%
HK$68,021
baseline
▲ 0.50% · 4.625%
HK$71,606
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,042/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,903
−HK$2,357/mo
Today · 4.125%
HK$79,260
baseline
▲ 0.50% · 4.625%
HK$84,083
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,520/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,973
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,257/mo
Today · 4.125%
HK$87,455
baseline
▲ 0.50% · 4.625%
HK$92,065
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,910/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,419 · Scale 2, in force from 26 Feb 2026)