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$41,254
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,537
−HK$1,304/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,509
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,895
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,249/mo
Today · 4.125%
HK$48,374
baseline
▲ 0.50% · 4.625%
HK$50,924
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,748/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,505
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,045
−HK$1,564/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,074
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,551
−HK$1,498/mo
Today · 4.125%
HK$58,049
baseline
▲ 0.50% · 4.625%
HK$61,109
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,098/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,552
−HK$1,825/mo
Today · 4.125%
HK$61,377
baseline
▲ 0.50% · 4.625%
HK$65,112
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,754/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,252
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,976
−HK$1,748/mo
Today · 4.125%
HK$67,724
baseline
▲ 0.50% · 4.625%
HK$71,294
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,448/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,257
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,567
−HK$2,347/mo
Today · 4.125%
HK$78,914
baseline
▲ 0.50% · 4.625%
HK$83,715
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,828/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,610
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,826
−HK$2,247/mo
Today · 4.125%
HK$87,073
baseline
▲ 0.50% · 4.625%
HK$91,663
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,146/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,443 · Scale 2, in force from 26 Feb 2026)