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$41,289
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,305/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,249/mo
Today · 4.125%
HK$48,415
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,830/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,547
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,088
−HK$1,566/mo
Today · 4.125%
HK$52,654
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,308/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,120
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,499/mo
Today · 4.125%
HK$58,098
baseline
▲ 0.50% · 4.625%
HK$61,161
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,196/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,805
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,603
−HK$1,827/mo
Today · 4.125%
HK$61,430
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,860/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$1,749/mo
Today · 4.125%
HK$67,781
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,562/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,632
−HK$2,349/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,806/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,681
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,898
−HK$2,250/mo
Today · 4.125%
HK$87,148
baseline
▲ 0.50% · 4.625%
HK$91,741
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,296/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,021 · Scale 2, in force from 26 Feb 2026)