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$41,339
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,625
−HK$1,306/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,604
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,989
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,252/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,029
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,606
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,568/mo
Today · 4.125%
HK$52,717
baseline
▲ 0.50% · 4.625%
HK$55,925
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,434/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,187
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,667
−HK$1,501/mo
Today · 4.125%
HK$58,168
baseline
▲ 0.50% · 4.625%
HK$61,234
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,336/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,874
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,829/mo
Today · 4.125%
HK$61,503
baseline
▲ 0.50% · 4.625%
HK$65,246
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,006/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,384
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,111
−HK$1,752/mo
Today · 4.125%
HK$67,863
baseline
▲ 0.50% · 4.625%
HK$71,440
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,726/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,410
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,724
−HK$2,352/mo
Today · 4.125%
HK$79,076
baseline
▲ 0.50% · 4.625%
HK$83,887
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,152/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,780
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,000
−HK$2,252/mo
Today · 4.125%
HK$87,252
baseline
▲ 0.50% · 4.625%
HK$91,852
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,504/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,837 · Scale 2, in force from 26 Feb 2026)