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$41,581
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,874
−HK$1,314/mo
Today · 4.125%
HK$44,188
baseline
▲ 0.50% · 4.625%
HK$46,877
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,376/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,258
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,499
−HK$1,258/mo
Today · 4.125%
HK$48,757
baseline
▲ 0.50% · 4.625%
HK$51,327
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,514/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,897
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,449
−HK$1,577/mo
Today · 4.125%
HK$53,026
baseline
▲ 0.50% · 4.625%
HK$56,252
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,052/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,510
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,510/mo
Today · 4.125%
HK$58,509
baseline
▲ 0.50% · 4.625%
HK$61,593
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,018/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,213
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,024
−HK$1,839/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,628
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,498
−HK$1,762/mo
Today · 4.125%
HK$68,260
baseline
▲ 0.50% · 4.625%
HK$71,858
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,520/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,845
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,173
−HK$2,366/mo
Today · 4.125%
HK$79,539
baseline
▲ 0.50% · 4.625%
HK$84,378
+HK$4,839/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,078/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,498
−HK$2,265/mo
Today · 4.125%
HK$87,763
baseline
▲ 0.50% · 4.625%
HK$92,389
+HK$4,626/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,526/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,817 · Scale 2, in force from 26 Feb 2026)