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$41,319
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,305/mo
Today · 4.125%
HK$43,910
baseline
▲ 0.50% · 4.625%
HK$46,582
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,820/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,967
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,200
−HK$1,251/mo
Today · 4.125%
HK$48,451
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,902/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,583
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,567/mo
Today · 4.125%
HK$52,693
baseline
▲ 0.50% · 4.625%
HK$55,899
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,386/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,161
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,501/mo
Today · 4.125%
HK$58,141
baseline
▲ 0.50% · 4.625%
HK$61,206
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,282/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,847
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,828/mo
Today · 4.125%
HK$61,475
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,740/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,950/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,354
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$1,751/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,407
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,375
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,688
−HK$2,351/mo
Today · 4.125%
HK$79,039
baseline
▲ 0.50% · 4.625%
HK$83,848
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,078/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,741
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,960
−HK$2,252/mo
Today · 4.125%
HK$87,212
baseline
▲ 0.50% · 4.625%
HK$91,809
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,424/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,519 · Scale 2, in force from 26 Feb 2026)