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$41,598
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,314/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,277
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,518
−HK$1,259/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,917
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,578/mo
Today · 4.125%
HK$53,048
baseline
▲ 0.50% · 4.625%
HK$56,275
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,096/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,533
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,511/mo
Today · 4.125%
HK$58,533
baseline
▲ 0.50% · 4.625%
HK$61,618
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,066/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,237
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,048
−HK$1,841/mo
Today · 4.125%
HK$61,889
baseline
▲ 0.50% · 4.625%
HK$65,655
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,778/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$1,762/mo
Today · 4.125%
HK$68,288
baseline
▲ 0.50% · 4.625%
HK$71,888
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,576/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,876
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,205
−HK$2,366/mo
Today · 4.125%
HK$79,571
baseline
▲ 0.50% · 4.625%
HK$84,413
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,142/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,299
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,533
−HK$2,266/mo
Today · 4.125%
HK$87,799
baseline
▲ 0.50% · 4.625%
HK$92,427
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,598/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,098 · Scale 2, in force from 26 Feb 2026)