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$42,588
−HK$1,306/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,564
+HK$2,670/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$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,950
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,182
−HK$1,250/mo
Today · 4.125%
HK$48,432
baseline
▲ 0.50% · 4.625%
HK$50,985
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,864/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,566/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,259 · 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$61,182
+HK$3,063/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$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,825
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,624
−HK$1,827/mo
Today · 4.125%
HK$61,451
baseline
▲ 0.50% · 4.625%
HK$65,190
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,902/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,330
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,055
−HK$1,750/mo
Today · 4.125%
HK$67,805
baseline
▲ 0.50% · 4.625%
HK$71,379
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,610/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,346
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,659
−HK$2,350/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,816
+HK$4,807/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$679,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,710
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,928
−HK$2,250/mo
Today · 4.125%
HK$87,178
baseline
▲ 0.50% · 4.625%
HK$91,773
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,356/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,259 · Scale 2, in force from 26 Feb 2026)