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$41,589
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,883
−HK$1,314/mo
Today · 4.125%
HK$44,197
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,394/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,268
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,509
−HK$1,258/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,338
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,907
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,577/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$56,264
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,521
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,511/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$61,606
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,225
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,036
−HK$1,840/mo
Today · 4.125%
HK$61,876
baseline
▲ 0.50% · 4.625%
HK$65,641
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,752/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,775
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,512
−HK$1,762/mo
Today · 4.125%
HK$68,274
baseline
▲ 0.50% · 4.625%
HK$71,873
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,548/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,861
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,189
−HK$2,366/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$84,396
+HK$4,841/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,515
−HK$2,266/mo
Today · 4.125%
HK$87,781
baseline
▲ 0.50% · 4.625%
HK$92,408
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,562/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,958 · Scale 2, in force from 26 Feb 2026)