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$41,613
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,315/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,691/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,294
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,260/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,935
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,489
−HK$1,578/mo
Today · 4.125%
HK$53,067
baseline
▲ 0.50% · 4.625%
HK$56,296
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,134/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,553
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,511/mo
Today · 4.125%
HK$58,554
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,108/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,258
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,070
−HK$1,841/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,678
+HK$3,767/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,550
−HK$1,763/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$71,914
+HK$3,601/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,903
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,233
−HK$2,367/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$84,444
+HK$4,844/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,329
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,564
−HK$2,267/mo
Today · 4.125%
HK$87,831
baseline
▲ 0.50% · 4.625%
HK$92,461
+HK$4,630/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,662/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,345 · Scale 2, in force from 26 Feb 2026)