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$41,311
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,306/mo
Today · 4.125%
HK$43,902
baseline
▲ 0.50% · 4.625%
HK$46,573
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,804/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,191
−HK$1,250/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$50,995
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,574
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,566/mo
Today · 4.125%
HK$52,682
baseline
▲ 0.50% · 4.625%
HK$55,888
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,364/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,150
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,501/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,194
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,836
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,635
−HK$1,828/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$65,203
+HK$3,740/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,342
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,067
−HK$1,751/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,636/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,360
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,350/mo
Today · 4.125%
HK$79,023
baseline
▲ 0.50% · 4.625%
HK$83,832
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,046/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,725
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,944
−HK$2,251/mo
Today · 4.125%
HK$87,195
baseline
▲ 0.50% · 4.625%
HK$91,791
+HK$4,596/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,390/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,387 · Scale 2, in force from 26 Feb 2026)