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$41,253
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,304/mo
Today · 4.125%
HK$43,840
baseline
▲ 0.50% · 4.625%
HK$46,507
+HK$2,667/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,680/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,124
−HK$1,249/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$50,922
+HK$2,549/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,043
−HK$1,564/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,808
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,214/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,549
−HK$1,498/mo
Today · 4.125%
HK$58,047
baseline
▲ 0.50% · 4.625%
HK$61,107
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,094/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,754
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,550
−HK$1,825/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$65,110
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,250
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,974
−HK$1,748/mo
Today · 4.125%
HK$67,722
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,444/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,347/mo
Today · 4.125%
HK$78,911
baseline
▲ 0.50% · 4.625%
HK$83,713
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,822/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,608
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,248/mo
Today · 4.125%
HK$87,071
baseline
▲ 0.50% · 4.625%
HK$91,660
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,142/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,421 · Scale 2, in force from 26 Feb 2026)