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$41,597
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,314/mo
Today · 4.125%
HK$44,205
baseline
▲ 0.50% · 4.625%
HK$46,895
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,410/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,276
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,517
−HK$1,259/mo
Today · 4.125%
HK$48,776
baseline
▲ 0.50% · 4.625%
HK$51,347
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,552/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,916
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,469
−HK$1,578/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$56,274
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,531
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,511/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,841/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,653
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$1,763/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$71,886
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,875
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,204
−HK$2,366/mo
Today · 4.125%
HK$79,570
baseline
▲ 0.50% · 4.625%
HK$84,412
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,140/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,297
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,531
−HK$2,267/mo
Today · 4.125%
HK$87,798
baseline
▲ 0.50% · 4.625%
HK$92,425
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,596/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,084 · Scale 2, in force from 26 Feb 2026)