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$41,420
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,709
−HK$1,309/mo
Today · 4.125%
HK$44,018
baseline
▲ 0.50% · 4.625%
HK$46,696
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,036/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,080
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,253/mo
Today · 4.125%
HK$48,569
baseline
▲ 0.50% · 4.625%
HK$51,129
+HK$2,560/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,138/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,704
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,250
−HK$1,571/mo
Today · 4.125%
HK$52,821
baseline
▲ 0.50% · 4.625%
HK$56,035
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,642/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,296
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,779
−HK$1,504/mo
Today · 4.125%
HK$58,283
baseline
▲ 0.50% · 4.625%
HK$61,355
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,566/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,988
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,792
−HK$1,833/mo
Today · 4.125%
HK$61,625
baseline
▲ 0.50% · 4.625%
HK$65,375
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,250/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,512
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,242
−HK$1,755/mo
Today · 4.125%
HK$67,997
baseline
▲ 0.50% · 4.625%
HK$71,581
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$135,994/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,356/mo
Today · 4.125%
HK$79,232
baseline
▲ 0.50% · 4.625%
HK$84,053
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,464/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,943
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,168
−HK$2,257/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,033
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,179 · Scale 2, in force from 26 Feb 2026)