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$41,304
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,589
−HK$1,305/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,788/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,950
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,182
−HK$1,251/mo
Today · 4.125%
HK$48,433
baseline
▲ 0.50% · 4.625%
HK$50,986
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,866/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,565
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,567/mo
Today · 4.125%
HK$52,673
baseline
▲ 0.50% · 4.625%
HK$55,878
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,346/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,140
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,619
−HK$1,500/mo
Today · 4.125%
HK$58,119
baseline
▲ 0.50% · 4.625%
HK$61,183
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,238/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,825
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,624
−HK$1,828/mo
Today · 4.125%
HK$61,452
baseline
▲ 0.50% · 4.625%
HK$65,191
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,904/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,330
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,055
−HK$1,751/mo
Today · 4.125%
HK$67,806
baseline
▲ 0.50% · 4.625%
HK$71,380
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,612/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,349/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,817
+HK$4,808/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,018/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,710
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,928
−HK$2,251/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$91,774
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,264 · Scale 2, in force from 26 Feb 2026)