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$41,340
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,626
−HK$1,306/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,224
−HK$1,251/mo
Today · 4.125%
HK$48,475
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,950/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,608
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,151
−HK$1,568/mo
Today · 4.125%
HK$52,719
baseline
▲ 0.50% · 4.625%
HK$55,927
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,438/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,188
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,668
−HK$1,502/mo
Today · 4.125%
HK$58,170
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,340/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,876
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,676
−HK$1,829/mo
Today · 4.125%
HK$61,505
baseline
▲ 0.50% · 4.625%
HK$65,248
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,010/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,386
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,113
−HK$1,752/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,442
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,412
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,727
−HK$2,351/mo
Today · 4.125%
HK$79,078
baseline
▲ 0.50% · 4.625%
HK$83,890
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,156/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,782
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,003
−HK$2,252/mo
Today · 4.125%
HK$87,255
baseline
▲ 0.50% · 4.625%
HK$91,854
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,510/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,857 · Scale 2, in force from 26 Feb 2026)