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$41,459
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,311/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,739
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,122
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,359
−HK$1,255/mo
Today · 4.125%
HK$48,614
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,563/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,228/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,298
−HK$1,572/mo
Today · 4.125%
HK$52,870
baseline
▲ 0.50% · 4.625%
HK$56,087
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,740/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,347
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,831
−HK$1,506/mo
Today · 4.125%
HK$58,337
baseline
▲ 0.50% · 4.625%
HK$61,412
+HK$3,075/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,674/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,042
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,848
−HK$1,834/mo
Today · 4.125%
HK$61,682
baseline
▲ 0.50% · 4.625%
HK$65,435
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$123,364/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,571
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,303
−HK$1,757/mo
Today · 4.125%
HK$68,060
baseline
▲ 0.50% · 4.625%
HK$71,647
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$136,120/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,626
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,947
−HK$2,358/mo
Today · 4.125%
HK$79,305
baseline
▲ 0.50% · 4.625%
HK$84,131
+HK$4,826/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,610/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,020
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,247
−HK$2,259/mo
Today · 4.125%
HK$87,506
baseline
▲ 0.50% · 4.625%
HK$92,118
+HK$4,612/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$175,012/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,810 · Scale 2, in force from 26 Feb 2026)