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$41,575
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,868
−HK$1,314/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,252
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,259/mo
Today · 4.125%
HK$48,751
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,569/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,502/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,442
−HK$1,577/mo
Today · 4.125%
HK$53,019
baseline
▲ 0.50% · 4.625%
HK$56,245
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,038/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,502
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,510/mo
Today · 4.125%
HK$58,501
baseline
▲ 0.50% · 4.625%
HK$61,584
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,002/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,016
−HK$1,839/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,764/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$1,762/mo
Today · 4.125%
HK$68,251
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,502/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,835
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,163
−HK$2,365/mo
Today · 4.125%
HK$79,528
baseline
▲ 0.50% · 4.625%
HK$84,367
+HK$4,839/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,056/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,253
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,486
−HK$2,265/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$92,377
+HK$4,626/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,724 · Scale 2, in force from 26 Feb 2026)