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$41,343
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,629
−HK$1,307/mo
Today · 4.125%
HK$43,936
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,673/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,872/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,994
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,251/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,034
+HK$2,555/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,612
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,155
−HK$1,568/mo
Today · 4.125%
HK$52,723
baseline
▲ 0.50% · 4.625%
HK$55,931
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,446/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,193
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,673
−HK$1,502/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,241
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,881
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,829/mo
Today · 4.125%
HK$61,510
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,020/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,392
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,119
−HK$1,752/mo
Today · 4.125%
HK$67,871
baseline
▲ 0.50% · 4.625%
HK$71,448
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,742/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,418
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,733
−HK$2,352/mo
Today · 4.125%
HK$79,085
baseline
▲ 0.50% · 4.625%
HK$83,897
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,170/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,789
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,010
−HK$2,252/mo
Today · 4.125%
HK$87,262
baseline
▲ 0.50% · 4.625%
HK$91,862
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,524/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,914 · Scale 2, in force from 26 Feb 2026)