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$41,337
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,623
−HK$1,307/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$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,221
−HK$1,251/mo
Today · 4.125%
HK$48,472
baseline
▲ 0.50% · 4.625%
HK$51,027
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,944/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,605
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,568/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,923
+HK$3,207/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$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,185
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,665
−HK$1,501/mo
Today · 4.125%
HK$58,166
baseline
▲ 0.50% · 4.625%
HK$61,232
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,332/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,872
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,673
−HK$1,828/mo
Today · 4.125%
HK$61,501
baseline
▲ 0.50% · 4.625%
HK$65,244
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,002/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,382
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,109
−HK$1,752/mo
Today · 4.125%
HK$67,861
baseline
▲ 0.50% · 4.625%
HK$71,438
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,722/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,407
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,722
−HK$2,351/mo
Today · 4.125%
HK$79,073
baseline
▲ 0.50% · 4.625%
HK$83,885
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,146/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,777
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$84,997
−HK$2,253/mo
Today · 4.125%
HK$87,250
baseline
▲ 0.50% · 4.625%
HK$91,849
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,500/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,816 · Scale 2, in force from 26 Feb 2026)