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$41,171
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,301/mo
Today · 4.125%
HK$43,753
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,506/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,246/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$50,822
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,405
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,942
−HK$1,561/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,698
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,963
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,495/mo
Today · 4.125%
HK$57,932
baseline
▲ 0.50% · 4.625%
HK$60,986
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,864/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,639
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,822/mo
Today · 4.125%
HK$61,254
baseline
▲ 0.50% · 4.625%
HK$64,981
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,508/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,123
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,843
−HK$1,745/mo
Today · 4.125%
HK$67,588
baseline
▲ 0.50% · 4.625%
HK$71,150
+HK$3,562/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,176/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,108
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,413
−HK$2,342/mo
Today · 4.125%
HK$78,755
baseline
▲ 0.50% · 4.625%
HK$83,547
+HK$4,792/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,510/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,444
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,655
−HK$2,243/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$91,479
+HK$4,581/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,078 · Scale 2, in force from 26 Feb 2026)