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$41,318
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,306/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,581
+HK$2,672/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,199
−HK$1,250/mo
Today · 4.125%
HK$48,449
baseline
▲ 0.50% · 4.625%
HK$51,003
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,898/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,124
−HK$1,567/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,159
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,638
−HK$1,501/mo
Today · 4.125%
HK$58,139
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,065/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,278/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,845
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,828/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,740/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,352
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,078
−HK$1,751/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,404
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,372
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,686
−HK$2,350/mo
Today · 4.125%
HK$79,036
baseline
▲ 0.50% · 4.625%
HK$83,845
+HK$4,809/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,072/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,739
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,958
−HK$2,251/mo
Today · 4.125%
HK$87,209
baseline
▲ 0.50% · 4.625%
HK$91,806
+HK$4,597/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,418/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,497 · Scale 2, in force from 26 Feb 2026)