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$41,651
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,316/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,579
−HK$1,261/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,536
−HK$1,580/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$56,348
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,604
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,095
−HK$1,513/mo
Today · 4.125%
HK$58,608
baseline
▲ 0.50% · 4.625%
HK$61,697
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,216/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,312
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,126
−HK$1,842/mo
Today · 4.125%
HK$61,968
baseline
▲ 0.50% · 4.625%
HK$65,739
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,936/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,871
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,611
−HK$1,765/mo
Today · 4.125%
HK$68,376
baseline
▲ 0.50% · 4.625%
HK$71,980
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,752/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,972
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,304
−HK$2,370/mo
Today · 4.125%
HK$79,674
baseline
▲ 0.50% · 4.625%
HK$84,522
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,348/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,406
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,643
−HK$2,269/mo
Today · 4.125%
HK$87,912
baseline
▲ 0.50% · 4.625%
HK$92,546
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,824/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,976 · Scale 2, in force from 26 Feb 2026)