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$41,614
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,909
−HK$1,315/mo
Today · 4.125%
HK$44,224
baseline
▲ 0.50% · 4.625%
HK$46,915
+HK$2,691/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,448/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,295
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,537
−HK$1,260/mo
Today · 4.125%
HK$48,797
baseline
▲ 0.50% · 4.625%
HK$51,369
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,594/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,937
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,579/mo
Today · 4.125%
HK$53,069
baseline
▲ 0.50% · 4.625%
HK$56,298
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,138/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,555
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,511/mo
Today · 4.125%
HK$58,556
baseline
▲ 0.50% · 4.625%
HK$61,643
+HK$3,087/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,112/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,260
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,841/mo
Today · 4.125%
HK$61,913
baseline
▲ 0.50% · 4.625%
HK$65,681
+HK$3,768/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,826/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,814
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,552
−HK$1,763/mo
Today · 4.125%
HK$68,315
baseline
▲ 0.50% · 4.625%
HK$71,916
+HK$3,601/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,630/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,906
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,236
−HK$2,367/mo
Today · 4.125%
HK$79,603
baseline
▲ 0.50% · 4.625%
HK$84,447
+HK$4,844/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,206/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,332
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,567
−HK$2,267/mo
Today · 4.125%
HK$87,834
baseline
▲ 0.50% · 4.625%
HK$92,464
+HK$4,630/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,668/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,369 · Scale 2, in force from 26 Feb 2026)