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$41,467
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,757
−HK$1,311/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,132
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,255/mo
Today · 4.125%
HK$48,624
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,564/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,248/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,761
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,309
−HK$1,572/mo
Today · 4.125%
HK$52,881
baseline
▲ 0.50% · 4.625%
HK$56,099
+HK$3,218/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,762/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,358
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,843
−HK$1,506/mo
Today · 4.125%
HK$58,349
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,076/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,698/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,054
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,860
−HK$1,835/mo
Today · 4.125%
HK$61,695
baseline
▲ 0.50% · 4.625%
HK$65,449
+HK$3,754/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,390/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,585
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,317
−HK$1,757/mo
Today · 4.125%
HK$68,074
baseline
▲ 0.50% · 4.625%
HK$71,663
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,148/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,641
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,963
−HK$2,359/mo
Today · 4.125%
HK$79,322
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,827/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,644/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,038
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,265
−HK$2,259/mo
Today · 4.125%
HK$87,524
baseline
▲ 0.50% · 4.625%
HK$92,138
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,048/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,954 · Scale 2, in force from 26 Feb 2026)