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$41,300
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,584
−HK$1,306/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,560
+HK$2,670/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,250/mo
Today · 4.125%
HK$48,428
baseline
▲ 0.50% · 4.625%
HK$50,980
+HK$2,552/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,856/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,560
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,566/mo
Today · 4.125%
HK$52,667
baseline
▲ 0.50% · 4.625%
HK$55,872
+HK$3,205/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$105,334/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,613
−HK$1,500/mo
Today · 4.125%
HK$58,113
baseline
▲ 0.50% · 4.625%
HK$61,177
+HK$3,064/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$116,226/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,820
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,618
−HK$1,827/mo
Today · 4.125%
HK$61,445
baseline
▲ 0.50% · 4.625%
HK$65,184
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,890/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,324
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,049
−HK$1,750/mo
Today · 4.125%
HK$67,799
baseline
▲ 0.50% · 4.625%
HK$71,373
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,598/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,339
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,652
−HK$2,349/mo
Today · 4.125%
HK$79,001
baseline
▲ 0.50% · 4.625%
HK$83,808
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,002/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,702
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,920
−HK$2,250/mo
Today · 4.125%
HK$87,170
baseline
▲ 0.50% · 4.625%
HK$91,765
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,340/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,196 · Scale 2, in force from 26 Feb 2026)