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$41,646
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,942
−HK$1,316/mo
Today · 4.125%
HK$44,258
baseline
▲ 0.50% · 4.625%
HK$46,951
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,516/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,331
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,261/mo
Today · 4.125%
HK$48,834
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,668/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,975
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,530
−HK$1,579/mo
Today · 4.125%
HK$53,109
baseline
▲ 0.50% · 4.625%
HK$56,341
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,218/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,597
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,088
−HK$1,513/mo
Today · 4.125%
HK$58,601
baseline
▲ 0.50% · 4.625%
HK$61,690
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,202/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,305
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,843/mo
Today · 4.125%
HK$61,961
baseline
▲ 0.50% · 4.625%
HK$65,731
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,922/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,863
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,603
−HK$1,765/mo
Today · 4.125%
HK$68,368
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,736/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,963
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,295
−HK$2,369/mo
Today · 4.125%
HK$79,664
baseline
▲ 0.50% · 4.625%
HK$84,511
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,328/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,396
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,632
−HK$2,269/mo
Today · 4.125%
HK$87,901
baseline
▲ 0.50% · 4.625%
HK$92,535
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,802/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,892 · Scale 2, in force from 26 Feb 2026)