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$41,639
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,316/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,323
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,566
−HK$1,260/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,967
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,521
−HK$1,579/mo
Today · 4.125%
HK$53,100
baseline
▲ 0.50% · 4.625%
HK$56,331
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,200/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,588
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,512/mo
Today · 4.125%
HK$58,591
baseline
▲ 0.50% · 4.625%
HK$61,679
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,182/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,295
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,842/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,720
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,852
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,592
−HK$1,764/mo
Today · 4.125%
HK$68,356
baseline
▲ 0.50% · 4.625%
HK$71,959
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,712/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,951
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,282
−HK$2,369/mo
Today · 4.125%
HK$79,651
baseline
▲ 0.50% · 4.625%
HK$84,497
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,302/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,382
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,618
−HK$2,269/mo
Today · 4.125%
HK$87,887
baseline
▲ 0.50% · 4.625%
HK$92,519
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,774/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,778 · Scale 2, in force from 26 Feb 2026)