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$41,422
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,711
−HK$1,309/mo
Today · 4.125%
HK$44,020
baseline
▲ 0.50% · 4.625%
HK$46,698
+HK$2,678/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,040/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,253/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,561/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,707
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,253
−HK$1,571/mo
Today · 4.125%
HK$52,824
baseline
▲ 0.50% · 4.625%
HK$56,038
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,648/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,298
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,505/mo
Today · 4.125%
HK$58,286
baseline
▲ 0.50% · 4.625%
HK$61,358
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,572/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,991
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,795
−HK$1,833/mo
Today · 4.125%
HK$61,628
baseline
▲ 0.50% · 4.625%
HK$65,378
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,256/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,515
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,245
−HK$1,755/mo
Today · 4.125%
HK$68,000
baseline
▲ 0.50% · 4.625%
HK$71,584
+HK$3,584/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,000/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,560
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,879
−HK$2,357/mo
Today · 4.125%
HK$79,236
baseline
▲ 0.50% · 4.625%
HK$84,057
+HK$4,821/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,472/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,947
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,172
−HK$2,257/mo
Today · 4.125%
HK$87,429
baseline
▲ 0.50% · 4.625%
HK$92,037
+HK$4,608/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,858/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,210 · Scale 2, in force from 26 Feb 2026)