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$41,479
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,310/mo
Today · 4.125%
HK$44,080
baseline
▲ 0.50% · 4.625%
HK$46,763
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,160/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,145
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,255/mo
Today · 4.125%
HK$48,638
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,276/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,775
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,323
−HK$1,574/mo
Today · 4.125%
HK$52,897
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$3,218/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$105,794/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,374
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,506/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,443
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,071
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,877
−HK$1,836/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$65,468
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$1,758/mo
Today · 4.125%
HK$68,094
baseline
▲ 0.50% · 4.625%
HK$71,683
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,188/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,663
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,985
−HK$2,360/mo
Today · 4.125%
HK$79,345
baseline
▲ 0.50% · 4.625%
HK$84,173
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,690/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,062
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,289
−HK$2,260/mo
Today · 4.125%
HK$87,549
baseline
▲ 0.50% · 4.625%
HK$92,164
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,098/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,150 · Scale 2, in force from 26 Feb 2026)