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$41,637
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,932
−HK$1,316/mo
Today · 4.125%
HK$44,248
baseline
▲ 0.50% · 4.625%
HK$46,941
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,496/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,321
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,563
−HK$1,261/mo
Today · 4.125%
HK$48,824
baseline
▲ 0.50% · 4.625%
HK$51,397
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,648/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,579/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$56,329
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,585
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,076
−HK$1,512/mo
Today · 4.125%
HK$58,588
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,089/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,176/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,292
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,105
−HK$1,842/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,717
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,894/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,849
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,589
−HK$1,764/mo
Today · 4.125%
HK$68,353
baseline
▲ 0.50% · 4.625%
HK$71,956
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,706/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,947
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,278
−HK$2,369/mo
Today · 4.125%
HK$79,647
baseline
▲ 0.50% · 4.625%
HK$84,493
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,294/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,378
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,614
−HK$2,268/mo
Today · 4.125%
HK$87,882
baseline
▲ 0.50% · 4.625%
HK$92,515
+HK$4,633/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,764/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,746 · Scale 2, in force from 26 Feb 2026)