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$41,347
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,306/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,252/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,555/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,617
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,568/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,937
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,679
−HK$1,501/mo
Today · 4.125%
HK$58,180
baseline
▲ 0.50% · 4.625%
HK$61,247
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,360/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,886
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,829/mo
Today · 4.125%
HK$61,516
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,032/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,398
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,125
−HK$1,752/mo
Today · 4.125%
HK$67,877
baseline
▲ 0.50% · 4.625%
HK$71,455
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,754/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,425
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,740
−HK$2,352/mo
Today · 4.125%
HK$79,092
baseline
▲ 0.50% · 4.625%
HK$83,905
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,184/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,797
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,018
−HK$2,253/mo
Today · 4.125%
HK$87,271
baseline
▲ 0.50% · 4.625%
HK$91,871
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,542/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,979 · Scale 2, in force from 26 Feb 2026)