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$41,630
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,316/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,933
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,313
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,555
−HK$1,260/mo
Today · 4.125%
HK$48,815
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,630/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,956
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,510
−HK$1,579/mo
Today · 4.125%
HK$53,089
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,178/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,576
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,512/mo
Today · 4.125%
HK$58,578
baseline
▲ 0.50% · 4.625%
HK$61,666
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,156/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,282
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,842/mo
Today · 4.125%
HK$61,937
baseline
▲ 0.50% · 4.625%
HK$65,706
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,874/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,838
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,577
−HK$1,764/mo
Today · 4.125%
HK$68,341
baseline
▲ 0.50% · 4.625%
HK$71,944
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,682/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,934
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,265
−HK$2,368/mo
Today · 4.125%
HK$79,633
baseline
▲ 0.50% · 4.625%
HK$84,479
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,266/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,363
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,599
−HK$2,268/mo
Today · 4.125%
HK$87,867
baseline
▲ 0.50% · 4.625%
HK$92,499
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,734/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,629 · Scale 2, in force from 26 Feb 2026)