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$41,442
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,310/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,340
−HK$1,255/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,156
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,572/mo
Today · 4.125%
HK$52,849
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,698/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,325
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,808
−HK$1,506/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,387
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,019
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,823
−HK$1,834/mo
Today · 4.125%
HK$61,657
baseline
▲ 0.50% · 4.625%
HK$65,409
+HK$3,752/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,314/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,545
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,276
−HK$1,756/mo
Today · 4.125%
HK$68,032
baseline
▲ 0.50% · 4.625%
HK$71,619
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,064/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,596
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,916
−HK$2,357/mo
Today · 4.125%
HK$79,273
baseline
▲ 0.50% · 4.625%
HK$84,097
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,546/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,987
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,212
−HK$2,258/mo
Today · 4.125%
HK$87,470
baseline
▲ 0.50% · 4.625%
HK$92,081
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,940/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,535 · Scale 2, in force from 26 Feb 2026)