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$41,428
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,310/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,705
+HK$2,679/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,254/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,561/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,713
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,260
−HK$1,571/mo
Today · 4.125%
HK$52,831
baseline
▲ 0.50% · 4.625%
HK$56,045
+HK$3,214/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,662/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,306
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,789
−HK$1,505/mo
Today · 4.125%
HK$58,294
baseline
▲ 0.50% · 4.625%
HK$61,366
+HK$3,072/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,588/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,999
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,803
−HK$1,833/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$65,386
+HK$3,750/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,523
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,254
−HK$1,755/mo
Today · 4.125%
HK$68,009
baseline
▲ 0.50% · 4.625%
HK$71,594
+HK$3,585/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,018/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,570
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,890
−HK$2,356/mo
Today · 4.125%
HK$79,246
baseline
▲ 0.50% · 4.625%
HK$84,068
+HK$4,822/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$158,492/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,958
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,183
−HK$2,257/mo
Today · 4.125%
HK$87,440
baseline
▲ 0.50% · 4.625%
HK$92,050
+HK$4,610/mo
Deposit HK$1.82M · loan HK$16.35M · min. income ≈ HK$174,880/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,302 · Scale 2, in force from 26 Feb 2026)