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$41,611
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,315/mo
Today · 4.125%
HK$44,221
baseline
▲ 0.50% · 4.625%
HK$46,912
+HK$2,691/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,442/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,534
−HK$1,259/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,487
−HK$1,578/mo
Today · 4.125%
HK$53,065
baseline
▲ 0.50% · 4.625%
HK$56,294
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,130/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,551
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,511/mo
Today · 4.125%
HK$58,552
baseline
▲ 0.50% · 4.625%
HK$61,638
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,104/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,256
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,068
−HK$1,841/mo
Today · 4.125%
HK$61,909
baseline
▲ 0.50% · 4.625%
HK$65,676
+HK$3,767/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,818/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,809
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,547
−HK$1,764/mo
Today · 4.125%
HK$68,311
baseline
▲ 0.50% · 4.625%
HK$71,912
+HK$3,601/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,622/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,901
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,231
−HK$2,367/mo
Today · 4.125%
HK$79,598
baseline
▲ 0.50% · 4.625%
HK$84,441
+HK$4,843/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,196/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,326
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,561
−HK$2,267/mo
Today · 4.125%
HK$87,828
baseline
▲ 0.50% · 4.625%
HK$92,458
+HK$4,630/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,656/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,323 · Scale 2, in force from 26 Feb 2026)