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$41,648
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,944
−HK$1,316/mo
Today · 4.125%
HK$44,260
baseline
▲ 0.50% · 4.625%
HK$46,953
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,520/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,333
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,576
−HK$1,260/mo
Today · 4.125%
HK$48,836
baseline
▲ 0.50% · 4.625%
HK$51,410
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,672/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,978
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,580/mo
Today · 4.125%
HK$53,112
baseline
▲ 0.50% · 4.625%
HK$56,343
+HK$3,231/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,224/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,600
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,091
−HK$1,512/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,307
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,843/mo
Today · 4.125%
HK$61,964
baseline
▲ 0.50% · 4.625%
HK$65,734
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,928/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,866
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,606
−HK$1,765/mo
Today · 4.125%
HK$68,371
baseline
▲ 0.50% · 4.625%
HK$71,975
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,742/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,966
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,370/mo
Today · 4.125%
HK$79,668
baseline
▲ 0.50% · 4.625%
HK$84,515
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,336/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,399
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,636
−HK$2,269/mo
Today · 4.125%
HK$87,905
baseline
▲ 0.50% · 4.625%
HK$92,539
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,810/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,924 · Scale 2, in force from 26 Feb 2026)