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$41,346
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,632
−HK$1,307/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,612
+HK$2,673/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,997
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,251/mo
Today · 4.125%
HK$48,482
baseline
▲ 0.50% · 4.625%
HK$51,038
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,964/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,615
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,159
−HK$1,568/mo
Today · 4.125%
HK$52,727
baseline
▲ 0.50% · 4.625%
HK$55,935
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,454/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,197
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,677
−HK$1,502/mo
Today · 4.125%
HK$58,179
baseline
▲ 0.50% · 4.625%
HK$61,245
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,358/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,885
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,685
−HK$1,829/mo
Today · 4.125%
HK$61,514
baseline
▲ 0.50% · 4.625%
HK$65,257
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,028/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,396
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,123
−HK$1,752/mo
Today · 4.125%
HK$67,875
baseline
▲ 0.50% · 4.625%
HK$71,453
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,750/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,423
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,738
−HK$2,352/mo
Today · 4.125%
HK$79,090
baseline
▲ 0.50% · 4.625%
HK$83,902
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,180/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,795
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,015
−HK$2,253/mo
Today · 4.125%
HK$87,268
baseline
▲ 0.50% · 4.625%
HK$91,868
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,536/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,958 · Scale 2, in force from 26 Feb 2026)