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$41,292
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,305/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,168
−HK$1,250/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,566/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,124
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,602
−HK$1,500/mo
Today · 4.125%
HK$58,102
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,204/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,606
−HK$1,827/mo
Today · 4.125%
HK$61,433
baseline
▲ 0.50% · 4.625%
HK$65,171
+HK$3,738/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,866/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,311
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,036
−HK$1,750/mo
Today · 4.125%
HK$67,786
baseline
▲ 0.50% · 4.625%
HK$71,359
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,572/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,325
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,637
−HK$2,349/mo
Today · 4.125%
HK$78,986
baseline
▲ 0.50% · 4.625%
HK$83,792
+HK$4,806/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,972/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,686
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,903
−HK$2,250/mo
Today · 4.125%
HK$87,153
baseline
▲ 0.50% · 4.625%
HK$91,747
+HK$4,594/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,306/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,061 · Scale 2, in force from 26 Feb 2026)