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$41,636
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,932
−HK$1,315/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,940
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,320
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,261/mo
Today · 4.125%
HK$48,823
baseline
▲ 0.50% · 4.625%
HK$51,396
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,646/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,964
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,518
−HK$1,579/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$56,328
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,512/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,291
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,104
−HK$1,842/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,716
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,848
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$1,765/mo
Today · 4.125%
HK$68,352
baseline
▲ 0.50% · 4.625%
HK$71,955
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,704/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,945
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,277
−HK$2,368/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,612
−HK$2,269/mo
Today · 4.125%
HK$87,881
baseline
▲ 0.50% · 4.625%
HK$92,513
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,762/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,732 · Scale 2, in force from 26 Feb 2026)