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$41,338
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,306/mo
Today · 4.125%
HK$43,930
baseline
▲ 0.50% · 4.625%
HK$46,603
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,860/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,988
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,251/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,606
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,567/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,924
+HK$3,208/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,432/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,186
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,501/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,233
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,829/mo
Today · 4.125%
HK$61,503
baseline
▲ 0.50% · 4.625%
HK$65,245
+HK$3,742/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,006/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,384
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,110
−HK$1,752/mo
Today · 4.125%
HK$67,862
baseline
▲ 0.50% · 4.625%
HK$71,439
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,724/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,409
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,723
−HK$2,352/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,886
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,779
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,999
−HK$2,252/mo
Today · 4.125%
HK$87,251
baseline
▲ 0.50% · 4.625%
HK$91,850
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,502/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,827 · Scale 2, in force from 26 Feb 2026)