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$41,347
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,307/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,613
+HK$2,673/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,998
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,251/mo
Today · 4.125%
HK$48,483
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,966/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,616
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,568/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,502/mo
Today · 4.125%
HK$58,180
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,360/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,886
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,830/mo
Today · 4.125%
HK$61,516
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,032/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$1,752/mo
Today · 4.125%
HK$67,876
baseline
▲ 0.50% · 4.625%
HK$71,454
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,752/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,424
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,739
−HK$2,352/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,017
−HK$2,253/mo
Today · 4.125%
HK$87,270
baseline
▲ 0.50% · 4.625%
HK$91,870
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,540/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,971 · Scale 2, in force from 26 Feb 2026)