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$41,466
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,310/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,748
+HK$2,682/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,131
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,255/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,186
+HK$2,563/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,759
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,573/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,357
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,841
−HK$1,506/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,423
+HK$3,076/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,052
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,858
−HK$1,835/mo
Today · 4.125%
HK$61,693
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,754/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,386/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,315
−HK$1,757/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$71,660
+HK$3,588/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,358/mo
Today · 4.125%
HK$79,319
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,827/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,638/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,035
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,262
−HK$2,259/mo
Today · 4.125%
HK$87,521
baseline
▲ 0.50% · 4.625%
HK$92,134
+HK$4,613/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,042/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,931 · Scale 2, in force from 26 Feb 2026)