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$41,605
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,314/mo
Today · 4.125%
HK$44,214
baseline
▲ 0.50% · 4.625%
HK$46,905
+HK$2,691/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,428/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,259/mo
Today · 4.125%
HK$48,786
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,572/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,926
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,479
−HK$1,578/mo
Today · 4.125%
HK$53,057
baseline
▲ 0.50% · 4.625%
HK$56,286
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,114/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,543
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,032
−HK$1,511/mo
Today · 4.125%
HK$58,543
baseline
▲ 0.50% · 4.625%
HK$61,629
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,086/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,247
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,841/mo
Today · 4.125%
HK$61,900
baseline
▲ 0.50% · 4.625%
HK$65,667
+HK$3,767/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,800/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,800
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,538
−HK$1,763/mo
Today · 4.125%
HK$68,301
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,602/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,890
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,219
−HK$2,367/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$84,428
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,314
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,548
−HK$2,267/mo
Today · 4.125%
HK$87,815
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$4,629/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,630/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,222 · Scale 2, in force from 26 Feb 2026)