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$41,594
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,315/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,513
−HK$1,259/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,912
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,465
−HK$1,577/mo
Today · 4.125%
HK$53,042
baseline
▲ 0.50% · 4.625%
HK$56,270
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$106,084/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,527
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,016
−HK$1,511/mo
Today · 4.125%
HK$58,527
baseline
▲ 0.50% · 4.625%
HK$61,612
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$117,054/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,231
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,042
−HK$1,841/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,781
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$1,762/mo
Today · 4.125%
HK$68,281
baseline
▲ 0.50% · 4.625%
HK$71,880
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,562/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,197
−HK$2,366/mo
Today · 4.125%
HK$79,563
baseline
▲ 0.50% · 4.625%
HK$84,405
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,126/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,290
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,524
−HK$2,266/mo
Today · 4.125%
HK$87,790
baseline
▲ 0.50% · 4.625%
HK$92,418
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,580/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,028 · Scale 2, in force from 26 Feb 2026)