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$41,618
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,913
−HK$1,315/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,919
+HK$2,691/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,300
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,260/mo
Today · 4.125%
HK$48,801
baseline
▲ 0.50% · 4.625%
HK$51,374
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,602/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,942
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,579/mo
Today · 4.125%
HK$53,074
baseline
▲ 0.50% · 4.625%
HK$56,303
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,148/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,560
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,050
−HK$1,511/mo
Today · 4.125%
HK$58,561
baseline
▲ 0.50% · 4.625%
HK$61,648
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,122/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,265
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,078
−HK$1,841/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,687
+HK$3,768/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,820
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$1,764/mo
Today · 4.125%
HK$68,322
baseline
▲ 0.50% · 4.625%
HK$71,923
+HK$3,601/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,644/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,913
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,243
−HK$2,367/mo
Today · 4.125%
HK$79,610
baseline
▲ 0.50% · 4.625%
HK$84,454
+HK$4,844/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,220/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,340
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,575
−HK$2,267/mo
Today · 4.125%
HK$87,842
baseline
▲ 0.50% · 4.625%
HK$92,472
+HK$4,630/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,684/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,432 · Scale 2, in force from 26 Feb 2026)