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$41,574
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,314/mo
Today · 4.125%
HK$44,181
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,688/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,362/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,251
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,491
−HK$1,258/mo
Today · 4.125%
HK$48,749
baseline
▲ 0.50% · 4.625%
HK$51,319
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,498/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,889
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,441
−HK$1,576/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$56,243
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,501
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,989
−HK$1,510/mo
Today · 4.125%
HK$58,499
baseline
▲ 0.50% · 4.625%
HK$61,583
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,998/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,839/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,764/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,751
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,487
−HK$1,762/mo
Today · 4.125%
HK$68,249
baseline
▲ 0.50% · 4.625%
HK$71,847
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,498/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,833
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,161
−HK$2,365/mo
Today · 4.125%
HK$79,526
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,839/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,052/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,484
−HK$2,265/mo
Today · 4.125%
HK$87,749
baseline
▲ 0.50% · 4.625%
HK$92,374
+HK$4,625/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,498/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,706 · Scale 2, in force from 26 Feb 2026)