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$41,308
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,592
−HK$1,306/mo
Today · 4.125%
HK$43,898
baseline
▲ 0.50% · 4.625%
HK$46,569
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,796/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,954
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,187
−HK$1,250/mo
Today · 4.125%
HK$48,437
baseline
▲ 0.50% · 4.625%
HK$50,990
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,874/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,569
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,111
−HK$1,567/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,145
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,624
−HK$1,500/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,188
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,831
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,629
−HK$1,828/mo
Today · 4.125%
HK$61,457
baseline
▲ 0.50% · 4.625%
HK$65,197
+HK$3,740/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,914/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,336
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,061
−HK$1,751/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,386
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,354
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,666
−HK$2,350/mo
Today · 4.125%
HK$79,016
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,808/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,032/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,718
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,936
−HK$2,251/mo
Today · 4.125%
HK$87,187
baseline
▲ 0.50% · 4.625%
HK$91,782
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,374/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,325 · Scale 2, in force from 26 Feb 2026)