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$41,447
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,310/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,110
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,254/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,737
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,284
−HK$1,572/mo
Today · 4.125%
HK$52,856
baseline
▲ 0.50% · 4.625%
HK$56,072
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,712/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,332
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,505/mo
Today · 4.125%
HK$58,321
baseline
▲ 0.50% · 4.625%
HK$61,395
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,642/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,026
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,831
−HK$1,834/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$65,417
+HK$3,752/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,285
−HK$1,756/mo
Today · 4.125%
HK$68,041
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,082/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,605
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,926
−HK$2,358/mo
Today · 4.125%
HK$79,284
baseline
▲ 0.50% · 4.625%
HK$84,108
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,568/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,998
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,224
−HK$2,258/mo
Today · 4.125%
HK$87,482
baseline
▲ 0.50% · 4.625%
HK$92,093
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,964/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,625 · Scale 2, in force from 26 Feb 2026)