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$41,308
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,593
−HK$1,305/mo
Today · 4.125%
HK$43,898
baseline
▲ 0.50% · 4.625%
HK$46,569
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,796/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,955
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,187
−HK$1,250/mo
Today · 4.125%
HK$48,437
baseline
▲ 0.50% · 4.625%
HK$50,990
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,874/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,569
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,111
−HK$1,567/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$3,205/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,145
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,624
−HK$1,501/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,189
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,831
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,630
−HK$1,827/mo
Today · 4.125%
HK$61,457
baseline
▲ 0.50% · 4.625%
HK$65,197
+HK$3,740/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,914/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,336
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$1,750/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,387
+HK$3,575/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,354
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,667
−HK$2,350/mo
Today · 4.125%
HK$79,017
baseline
▲ 0.50% · 4.625%
HK$83,825
+HK$4,808/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,034/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,718
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,937
−HK$2,250/mo
Today · 4.125%
HK$87,187
baseline
▲ 0.50% · 4.625%
HK$91,783
+HK$4,596/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,374/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,329 · Scale 2, in force from 26 Feb 2026)