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$41,658
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,954
−HK$1,316/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,694/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,261/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,545
−HK$1,579/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$56,357
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,613
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,104
−HK$1,513/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,321
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,135
−HK$1,843/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,750
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$1,765/mo
Today · 4.125%
HK$68,387
baseline
▲ 0.50% · 4.625%
HK$71,992
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,774/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,317
−HK$2,370/mo
Today · 4.125%
HK$79,687
baseline
▲ 0.50% · 4.625%
HK$84,535
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,374/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,419
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,657
−HK$2,269/mo
Today · 4.125%
HK$87,926
baseline
▲ 0.50% · 4.625%
HK$92,561
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,852/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,087 · Scale 2, in force from 26 Feb 2026)