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$41,302
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,306/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,562
+HK$2,670/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,948
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,180
−HK$1,250/mo
Today · 4.125%
HK$48,430
baseline
▲ 0.50% · 4.625%
HK$50,983
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,860/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,562
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,104
−HK$1,566/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,875
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,137
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,616
−HK$1,500/mo
Today · 4.125%
HK$58,116
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,232/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,822
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,621
−HK$1,827/mo
Today · 4.125%
HK$61,448
baseline
▲ 0.50% · 4.625%
HK$65,187
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,896/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,327
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,052
−HK$1,750/mo
Today · 4.125%
HK$67,802
baseline
▲ 0.50% · 4.625%
HK$71,376
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,604/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,343
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,656
−HK$2,349/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,812
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,706
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,924
−HK$2,250/mo
Today · 4.125%
HK$87,174
baseline
▲ 0.50% · 4.625%
HK$91,769
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,348/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,229 · Scale 2, in force from 26 Feb 2026)