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$41,619
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,914
−HK$1,315/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,920
+HK$2,691/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,301
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,260/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,375
+HK$2,572/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,943
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,578/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$56,305
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,561
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,051
−HK$1,512/mo
Today · 4.125%
HK$58,563
baseline
▲ 0.50% · 4.625%
HK$61,650
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,126/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,267
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,079
−HK$1,842/mo
Today · 4.125%
HK$61,921
baseline
▲ 0.50% · 4.625%
HK$65,689
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,842/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,821
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,560
−HK$1,764/mo
Today · 4.125%
HK$68,324
baseline
▲ 0.50% · 4.625%
HK$71,925
+HK$3,601/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,648/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,915
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,368/mo
Today · 4.125%
HK$79,613
baseline
▲ 0.50% · 4.625%
HK$84,457
+HK$4,844/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,226/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,342
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,577
−HK$2,268/mo
Today · 4.125%
HK$87,845
baseline
▲ 0.50% · 4.625%
HK$92,475
+HK$4,630/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,690/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,452 · Scale 2, in force from 26 Feb 2026)