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$41,445
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,310/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,344
−HK$1,254/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,160
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,734
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,281
−HK$1,572/mo
Today · 4.125%
HK$52,853
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,706/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,328
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,812
−HK$1,506/mo
Today · 4.125%
HK$58,318
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,636/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,023
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,828
−HK$1,833/mo
Today · 4.125%
HK$61,661
baseline
▲ 0.50% · 4.625%
HK$65,413
+HK$3,752/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,322/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,550
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,281
−HK$1,756/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$71,624
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,601
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,921
−HK$2,358/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,993
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,218
−HK$2,258/mo
Today · 4.125%
HK$87,476
baseline
▲ 0.50% · 4.625%
HK$92,087
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,952/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,583 · Scale 2, in force from 26 Feb 2026)