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$41,341
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,306/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,606
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,991
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,251/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,031
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,609
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,152
−HK$1,568/mo
Today · 4.125%
HK$52,720
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,440/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,189
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,670
−HK$1,501/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,877
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,677
−HK$1,830/mo
Today · 4.125%
HK$61,507
baseline
▲ 0.50% · 4.625%
HK$65,249
+HK$3,742/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,014/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,388
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,115
−HK$1,751/mo
Today · 4.125%
HK$67,866
baseline
▲ 0.50% · 4.625%
HK$71,444
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,732/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,413
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,728
−HK$2,352/mo
Today · 4.125%
HK$79,080
baseline
▲ 0.50% · 4.625%
HK$83,892
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,160/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,784
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,004
−HK$2,253/mo
Today · 4.125%
HK$87,257
baseline
▲ 0.50% · 4.625%
HK$91,856
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,514/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,871 · Scale 2, in force from 26 Feb 2026)