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$41,303
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,588
−HK$1,305/mo
Today · 4.125%
HK$43,893
baseline
▲ 0.50% · 4.625%
HK$46,564
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,786/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,949
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,182
−HK$1,250/mo
Today · 4.125%
HK$48,432
baseline
▲ 0.50% · 4.625%
HK$50,985
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,864/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,105
−HK$1,567/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,500/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,182
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,824
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,623
−HK$1,827/mo
Today · 4.125%
HK$61,450
baseline
▲ 0.50% · 4.625%
HK$65,190
+HK$3,740/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,900/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,329
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,054
−HK$1,751/mo
Today · 4.125%
HK$67,805
baseline
▲ 0.50% · 4.625%
HK$71,379
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,610/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,346
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,658
−HK$2,350/mo
Today · 4.125%
HK$79,008
baseline
▲ 0.50% · 4.625%
HK$83,815
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,016/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,709
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,927
−HK$2,250/mo
Today · 4.125%
HK$87,177
baseline
▲ 0.50% · 4.625%
HK$91,772
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,354/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,252 · Scale 2, in force from 26 Feb 2026)