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$41,713
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,011
−HK$1,318/mo
Today · 4.125%
HK$44,329
baseline
▲ 0.50% · 4.625%
HK$47,027
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,658/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,406
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,650
−HK$1,263/mo
Today · 4.125%
HK$48,913
baseline
▲ 0.50% · 4.625%
HK$51,491
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,826/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,056
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,613
−HK$1,582/mo
Today · 4.125%
HK$53,195
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,390/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,687
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,180
−HK$1,516/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$61,790
+HK$3,094/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,399
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,215
−HK$1,846/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,837
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,968
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,711
−HK$1,767/mo
Today · 4.125%
HK$68,478
baseline
▲ 0.50% · 4.625%
HK$72,088
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,956/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,084
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,420
−HK$2,373/mo
Today · 4.125%
HK$79,793
baseline
▲ 0.50% · 4.625%
HK$84,648
+HK$4,855/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,586/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,531
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,771
−HK$2,272/mo
Today · 4.125%
HK$88,043
baseline
▲ 0.50% · 4.625%
HK$92,684
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,086/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,000 · Scale 2, in force from 26 Feb 2026)