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$41,469
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,310/mo
Today · 4.125%
HK$44,069
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,682/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,138/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,134
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,371
−HK$1,255/mo
Today · 4.125%
HK$48,626
baseline
▲ 0.50% · 4.625%
HK$51,189
+HK$2,563/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,252/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,763
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,310
−HK$1,573/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$3,218/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,360
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,506/mo
Today · 4.125%
HK$58,351
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,076/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,702/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,056
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,862
−HK$1,835/mo
Today · 4.125%
HK$61,697
baseline
▲ 0.50% · 4.625%
HK$65,451
+HK$3,754/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,394/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,587
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,319
−HK$1,757/mo
Today · 4.125%
HK$68,076
baseline
▲ 0.50% · 4.625%
HK$71,665
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,152/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,359/mo
Today · 4.125%
HK$79,325
baseline
▲ 0.50% · 4.625%
HK$84,151
+HK$4,826/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,650/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,040
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,268
−HK$2,259/mo
Today · 4.125%
HK$87,527
baseline
▲ 0.50% · 4.625%
HK$92,141
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,054/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,976 · Scale 2, in force from 26 Feb 2026)