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$41,345
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,307/mo
Today · 4.125%
HK$43,938
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,673/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,876/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,230
−HK$1,251/mo
Today · 4.125%
HK$48,481
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,962/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,614
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,158
−HK$1,567/mo
Today · 4.125%
HK$52,725
baseline
▲ 0.50% · 4.625%
HK$55,934
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,450/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,676
−HK$1,501/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,244
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,883
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,684
−HK$1,829/mo
Today · 4.125%
HK$61,513
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,026/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,395
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,122
−HK$1,752/mo
Today · 4.125%
HK$67,874
baseline
▲ 0.50% · 4.625%
HK$71,451
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,748/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,421
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,736
−HK$2,352/mo
Today · 4.125%
HK$79,088
baseline
▲ 0.50% · 4.625%
HK$83,901
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,176/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,793
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,013
−HK$2,253/mo
Today · 4.125%
HK$87,266
baseline
▲ 0.50% · 4.625%
HK$91,866
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,532/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,944 · Scale 2, in force from 26 Feb 2026)