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$41,636
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,316/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,320
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,260/mo
Today · 4.125%
HK$48,822
baseline
▲ 0.50% · 4.625%
HK$51,396
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,644/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,963
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,579/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,513/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,290
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,104
−HK$1,842/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,715
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,847
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$1,764/mo
Today · 4.125%
HK$68,351
baseline
▲ 0.50% · 4.625%
HK$71,954
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,702/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,945
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,276
−HK$2,369/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,375
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,611
−HK$2,269/mo
Today · 4.125%
HK$87,880
baseline
▲ 0.50% · 4.625%
HK$92,512
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,760/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,726 · Scale 2, in force from 26 Feb 2026)