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$41,411
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,699
−HK$1,309/mo
Today · 4.125%
HK$44,008
baseline
▲ 0.50% · 4.625%
HK$46,686
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,016/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,070
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,305
−HK$1,254/mo
Today · 4.125%
HK$48,559
baseline
▲ 0.50% · 4.625%
HK$51,118
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,118/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,693
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,239
−HK$1,571/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$56,023
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,283
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,766
−HK$1,504/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,072/mo
Deposit HK$7.26M · loan HK$10.90M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,976
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,832/mo
Today · 4.125%
HK$61,611
baseline
▲ 0.50% · 4.625%
HK$65,360
+HK$3,749/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,222/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,497
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,227
−HK$1,755/mo
Today · 4.125%
HK$67,982
baseline
▲ 0.50% · 4.625%
HK$71,565
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,964/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,540
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,859
−HK$2,355/mo
Today · 4.125%
HK$79,214
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,820/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,428/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,925
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,149
−HK$2,256/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,013
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,029 · Scale 2, in force from 26 Feb 2026)