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$41,327
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,306/mo
Today · 4.125%
HK$43,919
baseline
▲ 0.50% · 4.625%
HK$46,591
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,838/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,976
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,209
−HK$1,251/mo
Today · 4.125%
HK$48,460
baseline
▲ 0.50% · 4.625%
HK$51,015
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,920/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,135
−HK$1,568/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,910
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,171
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,501/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,217
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,858
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,828/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$65,228
+HK$3,742/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,367
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,093
−HK$1,751/mo
Today · 4.125%
HK$67,844
baseline
▲ 0.50% · 4.625%
HK$71,420
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,688/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,389
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,703
−HK$2,351/mo
Today · 4.125%
HK$79,054
baseline
▲ 0.50% · 4.625%
HK$83,864
+HK$4,810/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,108/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,757
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,977
−HK$2,251/mo
Today · 4.125%
HK$87,228
baseline
▲ 0.50% · 4.625%
HK$91,826
+HK$4,598/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,456/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,650 · Scale 2, in force from 26 Feb 2026)