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$41,326
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,612
−HK$1,306/mo
Today · 4.125%
HK$43,918
baseline
▲ 0.50% · 4.625%
HK$46,590
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,836/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,975
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,251/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,592
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,567/mo
Today · 4.125%
HK$52,701
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,402/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,650
−HK$1,501/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,302/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,857
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,657
−HK$1,828/mo
Today · 4.125%
HK$61,485
baseline
▲ 0.50% · 4.625%
HK$65,226
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,970/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,365
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,091
−HK$1,752/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,419
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,387
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,701
−HK$2,351/mo
Today · 4.125%
HK$79,052
baseline
▲ 0.50% · 4.625%
HK$83,862
+HK$4,810/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,104/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,755
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,975
−HK$2,251/mo
Today · 4.125%
HK$87,226
baseline
▲ 0.50% · 4.625%
HK$91,824
+HK$4,598/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,452/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,634 · Scale 2, in force from 26 Feb 2026)