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$41,233
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,304/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,871
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,248/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$50,898
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,479
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,563/mo
Today · 4.125%
HK$52,582
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,164/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,045
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,497/mo
Today · 4.125%
HK$58,019
baseline
▲ 0.50% · 4.625%
HK$61,078
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,038/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,726
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,824/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,733/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,220
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,942
−HK$1,747/mo
Today · 4.125%
HK$67,689
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,378/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,219
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,528
−HK$2,345/mo
Today · 4.125%
HK$78,873
baseline
▲ 0.50% · 4.625%
HK$83,673
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,746/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,568
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,783
−HK$2,246/mo
Today · 4.125%
HK$87,029
baseline
▲ 0.50% · 4.625%
HK$91,616
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,058/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,097 · Scale 2, in force from 26 Feb 2026)