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$41,330
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,615
−HK$1,306/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,594
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,212
−HK$1,251/mo
Today · 4.125%
HK$48,463
baseline
▲ 0.50% · 4.625%
HK$51,017
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,926/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,596
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,138
−HK$1,568/mo
Today · 4.125%
HK$52,706
baseline
▲ 0.50% · 4.625%
HK$55,913
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,412/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,175
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,654
−HK$1,501/mo
Today · 4.125%
HK$58,155
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,310/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,661
−HK$1,829/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$65,231
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,370
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,097
−HK$1,751/mo
Today · 4.125%
HK$67,848
baseline
▲ 0.50% · 4.625%
HK$71,424
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,696/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,393
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,707
−HK$2,351/mo
Today · 4.125%
HK$79,058
baseline
▲ 0.50% · 4.625%
HK$83,869
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,116/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,762
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,981
−HK$2,252/mo
Today · 4.125%
HK$87,233
baseline
▲ 0.50% · 4.625%
HK$91,831
+HK$4,598/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,466/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,687 · Scale 2, in force from 26 Feb 2026)