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$41,597
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,315/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,276
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,518
−HK$1,259/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,917
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,469
−HK$1,578/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$56,275
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,532
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,511/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,048
−HK$1,840/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,654
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,525
−HK$1,762/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$71,887
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,875
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,204
−HK$2,366/mo
Today · 4.125%
HK$79,570
baseline
▲ 0.50% · 4.625%
HK$84,412
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,140/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,298
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,532
−HK$2,266/mo
Today · 4.125%
HK$87,798
baseline
▲ 0.50% · 4.625%
HK$92,426
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,596/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,088 · Scale 2, in force from 26 Feb 2026)