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$41,293
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,577
−HK$1,305/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,671/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,938
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,170
−HK$1,250/mo
Today · 4.125%
HK$48,420
baseline
▲ 0.50% · 4.625%
HK$50,972
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,840/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,552
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,566/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,126
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,500/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,167
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,810
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,608
−HK$1,827/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$65,174
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,313
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,038
−HK$1,750/mo
Today · 4.125%
HK$67,788
baseline
▲ 0.50% · 4.625%
HK$71,361
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,576/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,327
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,639
−HK$2,349/mo
Today · 4.125%
HK$78,988
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,976/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,688
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,906
−HK$2,250/mo
Today · 4.125%
HK$87,156
baseline
▲ 0.50% · 4.625%
HK$91,750
+HK$4,594/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,312/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,085 · Scale 2, in force from 26 Feb 2026)