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$41,322
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,608
−HK$1,306/mo
Today · 4.125%
HK$43,914
baseline
▲ 0.50% · 4.625%
HK$46,586
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,828/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,971
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,204
−HK$1,250/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,587
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,129
−HK$1,567/mo
Today · 4.125%
HK$52,696
baseline
▲ 0.50% · 4.625%
HK$55,903
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,392/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,165
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,501/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,210
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,851
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,651
−HK$1,828/mo
Today · 4.125%
HK$61,479
baseline
▲ 0.50% · 4.625%
HK$65,220
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,958/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,359
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,085
−HK$1,751/mo
Today · 4.125%
HK$67,836
baseline
▲ 0.50% · 4.625%
HK$71,412
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,672/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,380
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,350/mo
Today · 4.125%
HK$79,044
baseline
▲ 0.50% · 4.625%
HK$83,854
+HK$4,810/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,088/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,747
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,966
−HK$2,252/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$91,815
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,567 · Scale 2, in force from 26 Feb 2026)