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$41,628
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,316/mo
Today · 4.125%
HK$44,239
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,478/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,553
−HK$1,260/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,386
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,954
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,508
−HK$1,579/mo
Today · 4.125%
HK$53,087
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$3,230/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,174/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,573
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,064
−HK$1,512/mo
Today · 4.125%
HK$58,576
baseline
▲ 0.50% · 4.625%
HK$61,663
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,152/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,841/mo
Today · 4.125%
HK$61,934
baseline
▲ 0.50% · 4.625%
HK$65,703
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,868/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,836
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,574
−HK$1,764/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$71,941
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,931
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,262
−HK$2,368/mo
Today · 4.125%
HK$79,630
baseline
▲ 0.50% · 4.625%
HK$84,475
+HK$4,845/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,260/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,360
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,596
−HK$2,268/mo
Today · 4.125%
HK$87,864
baseline
▲ 0.50% · 4.625%
HK$92,495
+HK$4,631/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,728/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,600 · Scale 2, in force from 26 Feb 2026)