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$41,635
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,930
−HK$1,315/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,938
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,318
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,260/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,394
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,961
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,579/mo
Today · 4.125%
HK$53,094
baseline
▲ 0.50% · 4.625%
HK$56,325
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,188/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,582
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,072
−HK$1,512/mo
Today · 4.125%
HK$58,584
baseline
▲ 0.50% · 4.625%
HK$61,673
+HK$3,089/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,168/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,101
−HK$1,843/mo
Today · 4.125%
HK$61,944
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,888/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,845
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,584
−HK$1,765/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$71,951
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,942
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,273
−HK$2,369/mo
Today · 4.125%
HK$79,642
baseline
▲ 0.50% · 4.625%
HK$84,488
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,284/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,372
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,608
−HK$2,269/mo
Today · 4.125%
HK$87,877
baseline
▲ 0.50% · 4.625%
HK$92,509
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,754/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,702 · Scale 2, in force from 26 Feb 2026)