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$41,316
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,306/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,578
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,963
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,251/mo
Today · 4.125%
HK$48,447
baseline
▲ 0.50% · 4.625%
HK$51,000
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,894/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,579
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,121
−HK$1,567/mo
Today · 4.125%
HK$52,688
baseline
▲ 0.50% · 4.625%
HK$55,894
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,376/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,156
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,501/mo
Today · 4.125%
HK$58,136
baseline
▲ 0.50% · 4.625%
HK$61,200
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,272/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,842
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,641
−HK$1,828/mo
Today · 4.125%
HK$61,469
baseline
▲ 0.50% · 4.625%
HK$65,209
+HK$3,740/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,938/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,349
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,074
−HK$1,751/mo
Today · 4.125%
HK$67,825
baseline
▲ 0.50% · 4.625%
HK$71,400
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,650/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,368
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,682
−HK$2,350/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,734
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,251/mo
Today · 4.125%
HK$87,204
baseline
▲ 0.50% · 4.625%
HK$91,801
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,408/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,459 · Scale 2, in force from 26 Feb 2026)