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$41,238
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,303/mo
Today · 4.125%
HK$43,824
baseline
▲ 0.50% · 4.625%
HK$46,490
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,648/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,877
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,248/mo
Today · 4.125%
HK$48,355
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,710/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,485
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,025
−HK$1,564/mo
Today · 4.125%
HK$52,589
baseline
▲ 0.50% · 4.625%
HK$55,789
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,178/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,052
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,529
−HK$1,497/mo
Today · 4.125%
HK$58,026
baseline
▲ 0.50% · 4.625%
HK$61,085
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,052/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,733
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,529
−HK$1,824/mo
Today · 4.125%
HK$61,353
baseline
▲ 0.50% · 4.625%
HK$65,087
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,706/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,227
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,950
−HK$1,747/mo
Today · 4.125%
HK$67,697
baseline
▲ 0.50% · 4.625%
HK$71,266
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,394/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,228
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,537
−HK$2,346/mo
Today · 4.125%
HK$78,883
baseline
▲ 0.50% · 4.625%
HK$83,683
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,766/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,578
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,793
−HK$2,247/mo
Today · 4.125%
HK$87,040
baseline
▲ 0.50% · 4.625%
HK$91,628
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,080/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,179 · Scale 2, in force from 26 Feb 2026)