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$41,321
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,306/mo
Today · 4.125%
HK$43,912
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,824/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,969
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,251/mo
Today · 4.125%
HK$48,453
baseline
▲ 0.50% · 4.625%
HK$51,007
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,906/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,585
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,567/mo
Today · 4.125%
HK$52,694
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,388/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,163
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,501/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,208
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,849
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,649
−HK$1,828/mo
Today · 4.125%
HK$61,477
baseline
▲ 0.50% · 4.625%
HK$65,218
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,954/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,357
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,083
−HK$1,751/mo
Today · 4.125%
HK$67,834
baseline
▲ 0.50% · 4.625%
HK$71,409
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,668/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,378
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,691
−HK$2,351/mo
Today · 4.125%
HK$79,042
baseline
▲ 0.50% · 4.625%
HK$83,851
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,084/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,744
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,963
−HK$2,252/mo
Today · 4.125%
HK$87,215
baseline
▲ 0.50% · 4.625%
HK$91,812
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,430/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,544 · Scale 2, in force from 26 Feb 2026)