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$41,438
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,309/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,099
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,254/mo
Today · 4.125%
HK$48,590
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,180/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,726
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,272
−HK$1,572/mo
Today · 4.125%
HK$52,844
baseline
▲ 0.50% · 4.625%
HK$56,059
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,688/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,319
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,803
−HK$1,505/mo
Today · 4.125%
HK$58,308
baseline
▲ 0.50% · 4.625%
HK$61,381
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,616/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,013
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,818
−HK$1,833/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$65,402
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,539
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,270
−HK$1,756/mo
Today · 4.125%
HK$68,026
baseline
▲ 0.50% · 4.625%
HK$71,612
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,052/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,588
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,908
−HK$2,358/mo
Today · 4.125%
HK$79,266
baseline
▲ 0.50% · 4.625%
HK$84,089
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,532/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,979
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,204
−HK$2,258/mo
Today · 4.125%
HK$87,462
baseline
▲ 0.50% · 4.625%
HK$92,072
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,924/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,469 · Scale 2, in force from 26 Feb 2026)