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$41,348
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,307/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,615
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,233
−HK$1,251/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,040
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,618
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,161
−HK$1,568/mo
Today · 4.125%
HK$52,729
baseline
▲ 0.50% · 4.625%
HK$55,937
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,458/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,199
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,679
−HK$1,502/mo
Today · 4.125%
HK$58,181
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,362/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,887
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,829/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$65,260
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$1,752/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,426
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,741
−HK$2,352/mo
Today · 4.125%
HK$79,093
baseline
▲ 0.50% · 4.625%
HK$83,906
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,186/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,798
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,019
−HK$2,253/mo
Today · 4.125%
HK$87,272
baseline
▲ 0.50% · 4.625%
HK$91,872
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,544/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,989 · Scale 2, in force from 26 Feb 2026)