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$41,333
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,306/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,850/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,983
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,251/mo
Today · 4.125%
HK$48,467
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,934/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,600
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,567/mo
Today · 4.125%
HK$52,710
baseline
▲ 0.50% · 4.625%
HK$55,917
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,420/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,179
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,659
−HK$1,501/mo
Today · 4.125%
HK$58,160
baseline
▲ 0.50% · 4.625%
HK$61,226
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,320/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,866
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,829/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$65,237
+HK$3,742/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,376
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$1,752/mo
Today · 4.125%
HK$67,854
baseline
▲ 0.50% · 4.625%
HK$71,430
+HK$3,576/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,708/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,400
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,714
−HK$2,351/mo
Today · 4.125%
HK$79,065
baseline
▲ 0.50% · 4.625%
HK$83,876
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,130/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,769
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,989
−HK$2,252/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$91,839
+HK$4,598/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,745 · Scale 2, in force from 26 Feb 2026)