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$41,443
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,309/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,254/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,278
−HK$1,572/mo
Today · 4.125%
HK$52,850
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$3,215/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,700/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,325
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,505/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,020
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,824
−HK$1,834/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$65,410
+HK$3,752/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,546
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,277
−HK$1,756/mo
Today · 4.125%
HK$68,033
baseline
▲ 0.50% · 4.625%
HK$71,620
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,066/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,597
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,917
−HK$2,357/mo
Today · 4.125%
HK$79,274
baseline
▲ 0.50% · 4.625%
HK$84,098
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,548/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,988
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,214
−HK$2,258/mo
Today · 4.125%
HK$87,472
baseline
▲ 0.50% · 4.625%
HK$92,082
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,944/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,545 · Scale 2, in force from 26 Feb 2026)