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$41,415
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,308/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,679/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,253/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,244
−HK$1,571/mo
Today · 4.125%
HK$52,815
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,630/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,289
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,772
−HK$1,504/mo
Today · 4.125%
HK$58,276
baseline
▲ 0.50% · 4.625%
HK$61,348
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,552/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,982
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,785
−HK$1,832/mo
Today · 4.125%
HK$61,617
baseline
▲ 0.50% · 4.625%
HK$65,367
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,234/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,504
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,234
−HK$1,755/mo
Today · 4.125%
HK$67,989
baseline
▲ 0.50% · 4.625%
HK$71,573
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,978/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,548
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,355/mo
Today · 4.125%
HK$79,222
baseline
▲ 0.50% · 4.625%
HK$84,043
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,444/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,934
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,158
−HK$2,256/mo
Today · 4.125%
HK$87,414
baseline
▲ 0.50% · 4.625%
HK$92,022
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,828/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,098 · Scale 2, in force from 26 Feb 2026)