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$41,466
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,311/mo
Today · 4.125%
HK$44,067
baseline
▲ 0.50% · 4.625%
HK$46,748
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,134/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,131
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,255/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,186
+HK$2,563/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,759
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,573/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,357
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,842
−HK$1,506/mo
Today · 4.125%
HK$58,348
baseline
▲ 0.50% · 4.625%
HK$61,423
+HK$3,075/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,696/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,053
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,859
−HK$1,834/mo
Today · 4.125%
HK$61,693
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,754/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,386/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,315
−HK$1,757/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$71,660
+HK$3,588/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,359/mo
Today · 4.125%
HK$79,320
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,826/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,640/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,035
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,262
−HK$2,260/mo
Today · 4.125%
HK$87,522
baseline
▲ 0.50% · 4.625%
HK$92,135
+HK$4,613/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,044/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,934 · Scale 2, in force from 26 Feb 2026)