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$41,348
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,635
−HK$1,306/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,615
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,000
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,233
−HK$1,252/mo
Today · 4.125%
HK$48,485
baseline
▲ 0.50% · 4.625%
HK$51,041
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,970/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,618
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,161
−HK$1,568/mo
Today · 4.125%
HK$52,729
baseline
▲ 0.50% · 4.625%
HK$55,938
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,458/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,680
−HK$1,502/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,249
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,888
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,830/mo
Today · 4.125%
HK$61,518
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,036/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,127
−HK$1,752/mo
Today · 4.125%
HK$67,879
baseline
▲ 0.50% · 4.625%
HK$71,457
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,758/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,427
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,742
−HK$2,352/mo
Today · 4.125%
HK$79,094
baseline
▲ 0.50% · 4.625%
HK$83,907
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,188/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,799
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,020
−HK$2,253/mo
Today · 4.125%
HK$87,273
baseline
▲ 0.50% · 4.625%
HK$91,873
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,546/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,995 · Scale 2, in force from 26 Feb 2026)