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$41,599
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,315/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,520
−HK$1,259/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,919
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,577/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$56,277
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,534
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,024
−HK$1,511/mo
Today · 4.125%
HK$58,535
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,070/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,239
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,050
−HK$1,841/mo
Today · 4.125%
HK$61,891
baseline
▲ 0.50% · 4.625%
HK$65,657
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,782/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,790
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,528
−HK$1,763/mo
Today · 4.125%
HK$68,291
baseline
▲ 0.50% · 4.625%
HK$71,890
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,582/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,879
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,208
−HK$2,366/mo
Today · 4.125%
HK$79,574
baseline
▲ 0.50% · 4.625%
HK$84,416
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,148/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,302
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,536
−HK$2,266/mo
Today · 4.125%
HK$87,802
baseline
▲ 0.50% · 4.625%
HK$92,430
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,604/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,122 · Scale 2, in force from 26 Feb 2026)