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$41,315
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,305/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,962
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,195
−HK$1,250/mo
Today · 4.125%
HK$48,445
baseline
▲ 0.50% · 4.625%
HK$50,999
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,890/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,577
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,120
−HK$1,566/mo
Today · 4.125%
HK$52,686
baseline
▲ 0.50% · 4.625%
HK$55,892
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,372/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,154
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,634
−HK$1,500/mo
Today · 4.125%
HK$58,134
baseline
▲ 0.50% · 4.625%
HK$61,199
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,268/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,840
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,640
−HK$1,827/mo
Today · 4.125%
HK$61,467
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,934/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,347
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,073
−HK$1,750/mo
Today · 4.125%
HK$67,823
baseline
▲ 0.50% · 4.625%
HK$71,398
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,646/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,366
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,351/mo
Today · 4.125%
HK$79,030
baseline
▲ 0.50% · 4.625%
HK$83,838
+HK$4,808/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,060/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,732
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,950
−HK$2,251/mo
Today · 4.125%
HK$87,201
baseline
▲ 0.50% · 4.625%
HK$91,798
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,402/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,440 · Scale 2, in force from 26 Feb 2026)