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$41,320
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,306/mo
Today · 4.125%
HK$43,911
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,822/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,968
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,250/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$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,584
−HK$3,109/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$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,161
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,641
−HK$1,501/mo
Today · 4.125%
HK$58,142
baseline
▲ 0.50% · 4.625%
HK$61,206
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,284/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,848
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,828/mo
Today · 4.125%
HK$61,475
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,741/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$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,355
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,081
−HK$1,751/mo
Today · 4.125%
HK$67,832
baseline
▲ 0.50% · 4.625%
HK$71,407
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,664/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,376
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,689
−HK$2,351/mo
Today · 4.125%
HK$79,040
baseline
▲ 0.50% · 4.625%
HK$83,849
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,080/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,742
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,961
−HK$2,251/mo
Today · 4.125%
HK$87,212
baseline
▲ 0.50% · 4.625%
HK$91,810
+HK$4,598/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$679,526 · Scale 2, in force from 26 Feb 2026)