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$41,268
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,304/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,525
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,911
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,142
−HK$1,249/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$50,942
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,565/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,093
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,499/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,776
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,573
−HK$1,826/mo
Today · 4.125%
HK$61,399
baseline
▲ 0.50% · 4.625%
HK$65,135
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,798/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,275
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,999
−HK$1,748/mo
Today · 4.125%
HK$67,747
baseline
▲ 0.50% · 4.625%
HK$71,318
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,494/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,283
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,594
−HK$2,347/mo
Today · 4.125%
HK$78,941
baseline
▲ 0.50% · 4.625%
HK$83,745
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,882/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,639
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,855
−HK$2,249/mo
Today · 4.125%
HK$87,104
baseline
▲ 0.50% · 4.625%
HK$91,695
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,679 · Scale 2, in force from 26 Feb 2026)