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$41,261
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,545
−HK$1,304/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,517
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,903
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,249/mo
Today · 4.125%
HK$48,383
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,766/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,514
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,054
−HK$1,565/mo
Today · 4.125%
HK$52,619
baseline
▲ 0.50% · 4.625%
HK$55,820
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,238/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,083
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,561
−HK$1,498/mo
Today · 4.125%
HK$58,059
baseline
▲ 0.50% · 4.625%
HK$61,120
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,118/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,766
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,563
−HK$1,825/mo
Today · 4.125%
HK$61,388
baseline
▲ 0.50% · 4.625%
HK$65,124
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,776/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,988
−HK$1,748/mo
Today · 4.125%
HK$67,736
baseline
▲ 0.50% · 4.625%
HK$71,306
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,472/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,270
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,581
−HK$2,347/mo
Today · 4.125%
HK$78,928
baseline
▲ 0.50% · 4.625%
HK$83,730
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,856/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,625
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,841
−HK$2,248/mo
Today · 4.125%
HK$87,089
baseline
▲ 0.50% · 4.625%
HK$91,680
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,178/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,565 · Scale 2, in force from 26 Feb 2026)