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$41,314
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,306/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,576
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,250/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$50,998
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,577
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,119
−HK$1,567/mo
Today · 4.125%
HK$52,686
baseline
▲ 0.50% · 4.625%
HK$55,891
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,372/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,154
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,633
−HK$1,500/mo
Today · 4.125%
HK$58,133
baseline
▲ 0.50% · 4.625%
HK$61,198
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,266/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,839
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,639
−HK$1,827/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$65,207
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,071
−HK$1,751/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,397
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,365
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,678
−HK$2,350/mo
Today · 4.125%
HK$79,028
baseline
▲ 0.50% · 4.625%
HK$83,837
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,056/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,730
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,949
−HK$2,251/mo
Today · 4.125%
HK$87,200
baseline
▲ 0.50% · 4.625%
HK$91,796
+HK$4,596/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,400/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,428 · Scale 2, in force from 26 Feb 2026)