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$41,323
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,305/mo
Today · 4.125%
HK$43,914
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,828/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,972
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,250/mo
Today · 4.125%
HK$48,455
baseline
▲ 0.50% · 4.625%
HK$51,009
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,910/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,588
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,567/mo
Today · 4.125%
HK$52,697
baseline
▲ 0.50% · 4.625%
HK$55,904
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,394/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,166
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,501/mo
Today · 4.125%
HK$58,146
baseline
▲ 0.50% · 4.625%
HK$61,211
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,292/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,852
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,828/mo
Today · 4.125%
HK$61,480
baseline
▲ 0.50% · 4.625%
HK$65,221
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,960/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,360
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$1,751/mo
Today · 4.125%
HK$67,837
baseline
▲ 0.50% · 4.625%
HK$71,413
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,674/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,382
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,695
−HK$2,351/mo
Today · 4.125%
HK$79,046
baseline
▲ 0.50% · 4.625%
HK$83,856
+HK$4,810/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,092/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,749
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,968
−HK$2,252/mo
Today · 4.125%
HK$87,220
baseline
▲ 0.50% · 4.625%
HK$91,817
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,440/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,581 · Scale 2, in force from 26 Feb 2026)