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$41,332
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,306/mo
Today · 4.125%
HK$43,923
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,846/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,214
−HK$1,251/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,598
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,567/mo
Today · 4.125%
HK$52,708
baseline
▲ 0.50% · 4.625%
HK$55,915
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,416/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,177
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,657
−HK$1,501/mo
Today · 4.125%
HK$58,158
baseline
▲ 0.50% · 4.625%
HK$61,224
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,316/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,864
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,829/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$65,234
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,373
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,100
−HK$1,751/mo
Today · 4.125%
HK$67,851
baseline
▲ 0.50% · 4.625%
HK$71,428
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,702/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,397
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,711
−HK$2,351/mo
Today · 4.125%
HK$79,062
baseline
▲ 0.50% · 4.625%
HK$83,873
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,124/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,766
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,985
−HK$2,252/mo
Today · 4.125%
HK$87,237
baseline
▲ 0.50% · 4.625%
HK$91,836
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,474/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,720 · Scale 2, in force from 26 Feb 2026)