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$41,349
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,306/mo
Today · 4.125%
HK$43,942
baseline
▲ 0.50% · 4.625%
HK$46,616
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,884/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,251/mo
Today · 4.125%
HK$48,486
baseline
▲ 0.50% · 4.625%
HK$51,042
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,972/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,163
−HK$1,568/mo
Today · 4.125%
HK$52,731
baseline
▲ 0.50% · 4.625%
HK$55,939
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,462/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,201
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,682
−HK$1,501/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,250
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,889
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,690
−HK$1,829/mo
Today · 4.125%
HK$61,519
baseline
▲ 0.50% · 4.625%
HK$65,263
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,038/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,401
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,128
−HK$1,753/mo
Today · 4.125%
HK$67,881
baseline
▲ 0.50% · 4.625%
HK$71,459
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,762/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,429
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,744
−HK$2,352/mo
Today · 4.125%
HK$79,096
baseline
▲ 0.50% · 4.625%
HK$83,909
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,192/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,802
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,022
−HK$2,253/mo
Today · 4.125%
HK$87,275
baseline
▲ 0.50% · 4.625%
HK$91,875
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,550/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,014 · Scale 2, in force from 26 Feb 2026)