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$41,566
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,314/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,861
+HK$2,688/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,242
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,259/mo
Today · 4.125%
HK$48,741
baseline
▲ 0.50% · 4.625%
HK$51,310
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,482/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,880
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,577/mo
Today · 4.125%
HK$53,008
baseline
▲ 0.50% · 4.625%
HK$56,233
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,016/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,491
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,979
−HK$1,510/mo
Today · 4.125%
HK$58,489
baseline
▲ 0.50% · 4.625%
HK$61,572
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,978/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,003
−HK$1,839/mo
Today · 4.125%
HK$61,842
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,684/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,475
−HK$1,762/mo
Today · 4.125%
HK$68,237
baseline
▲ 0.50% · 4.625%
HK$71,834
+HK$3,597/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,474/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,820
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,147
−HK$2,365/mo
Today · 4.125%
HK$79,512
baseline
▲ 0.50% · 4.625%
HK$84,350
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,024/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,236
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,468
−HK$2,265/mo
Today · 4.125%
HK$87,733
baseline
▲ 0.50% · 4.625%
HK$92,358
+HK$4,625/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,466/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,583 · Scale 2, in force from 26 Feb 2026)