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$41,649
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,944
−HK$1,317/mo
Today · 4.125%
HK$44,261
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,522/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,577
−HK$1,260/mo
Today · 4.125%
HK$48,837
baseline
▲ 0.50% · 4.625%
HK$51,412
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,674/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,533
−HK$1,580/mo
Today · 4.125%
HK$53,113
baseline
▲ 0.50% · 4.625%
HK$56,345
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,226/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,601
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,092
−HK$1,513/mo
Today · 4.125%
HK$58,605
baseline
▲ 0.50% · 4.625%
HK$61,694
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,210/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,122
−HK$1,843/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,735
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,607
−HK$1,765/mo
Today · 4.125%
HK$68,372
baseline
▲ 0.50% · 4.625%
HK$71,976
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,744/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,968
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,300
−HK$2,369/mo
Today · 4.125%
HK$79,669
baseline
▲ 0.50% · 4.625%
HK$84,517
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,338/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,401
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,638
−HK$2,269/mo
Today · 4.125%
HK$87,907
baseline
▲ 0.50% · 4.625%
HK$92,541
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,814/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,938 · Scale 2, in force from 26 Feb 2026)