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$41,322
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,306/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,585
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,970
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,203
−HK$1,251/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,586
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,129
−HK$1,567/mo
Today · 4.125%
HK$52,696
baseline
▲ 0.50% · 4.625%
HK$55,902
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,392/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,164
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,501/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,851
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,828/mo
Today · 4.125%
HK$61,478
baseline
▲ 0.50% · 4.625%
HK$65,219
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,956/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,358
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,084
−HK$1,751/mo
Today · 4.125%
HK$67,835
baseline
▲ 0.50% · 4.625%
HK$71,411
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,670/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,379
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,693
−HK$2,351/mo
Today · 4.125%
HK$79,044
baseline
▲ 0.50% · 4.625%
HK$83,853
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,088/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,746
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,965
−HK$2,252/mo
Today · 4.125%
HK$87,217
baseline
▲ 0.50% · 4.625%
HK$91,814
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,434/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,560 · Scale 2, in force from 26 Feb 2026)