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$41,436
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,309/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,713
+HK$2,679/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,068/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,097
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,333
−HK$1,254/mo
Today · 4.125%
HK$48,587
baseline
▲ 0.50% · 4.625%
HK$51,148
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,174/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,270
−HK$1,571/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$56,056
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,316
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,800
−HK$1,505/mo
Today · 4.125%
HK$58,305
baseline
▲ 0.50% · 4.625%
HK$61,378
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,610/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,010
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,814
−HK$1,834/mo
Today · 4.125%
HK$61,648
baseline
▲ 0.50% · 4.625%
HK$65,399
+HK$3,751/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,296/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,536
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,266
−HK$1,756/mo
Today · 4.125%
HK$68,022
baseline
▲ 0.50% · 4.625%
HK$71,608
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,044/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,584
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,904
−HK$2,357/mo
Today · 4.125%
HK$79,261
baseline
▲ 0.50% · 4.625%
HK$84,084
+HK$4,823/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,522/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,974
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,200
−HK$2,257/mo
Today · 4.125%
HK$87,457
baseline
▲ 0.50% · 4.625%
HK$92,067
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,914/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,432 · Scale 2, in force from 26 Feb 2026)