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$41,318
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,604
−HK$1,305/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,581
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,199
−HK$1,251/mo
Today · 4.125%
HK$48,450
baseline
▲ 0.50% · 4.625%
HK$51,004
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,900/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,124
−HK$1,567/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,160
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,639
−HK$1,501/mo
Today · 4.125%
HK$58,140
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,280/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,846
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,828/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$65,214
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,353
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,079
−HK$1,751/mo
Today · 4.125%
HK$67,830
baseline
▲ 0.50% · 4.625%
HK$71,405
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,660/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,373
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,687
−HK$2,350/mo
Today · 4.125%
HK$79,037
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,074/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,739
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,958
−HK$2,252/mo
Today · 4.125%
HK$87,210
baseline
▲ 0.50% · 4.625%
HK$91,806
+HK$4,596/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,420/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,503 · Scale 2, in force from 26 Feb 2026)