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$41,586
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,879
−HK$1,315/mo
Today · 4.125%
HK$44,194
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,388/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,264
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,258/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,903
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,455
−HK$1,577/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$3,227/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,510/mo
Today · 4.125%
HK$58,516
baseline
▲ 0.50% · 4.625%
HK$61,600
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,032/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,031
−HK$1,840/mo
Today · 4.125%
HK$61,871
baseline
▲ 0.50% · 4.625%
HK$65,636
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,742/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,769
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,506
−HK$1,763/mo
Today · 4.125%
HK$68,269
baseline
▲ 0.50% · 4.625%
HK$71,867
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,538/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,855
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,183
−HK$2,366/mo
Today · 4.125%
HK$79,549
baseline
▲ 0.50% · 4.625%
HK$84,389
+HK$4,840/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,098/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,275
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,508
−HK$2,266/mo
Today · 4.125%
HK$87,774
baseline
▲ 0.50% · 4.625%
HK$92,401
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,548/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,901 · Scale 2, in force from 26 Feb 2026)