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$41,245
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,303/mo
Today · 4.125%
HK$43,831
baseline
▲ 0.50% · 4.625%
HK$46,498
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,662/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,115
−HK$1,249/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,494
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,033
−HK$1,565/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,798
+HK$3,200/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,061
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,498/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,095
+HK$3,059/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,743
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,539
−HK$1,825/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,238
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,961
−HK$1,748/mo
Today · 4.125%
HK$67,709
baseline
▲ 0.50% · 4.625%
HK$71,278
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,418/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,241
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,550
−HK$2,346/mo
Today · 4.125%
HK$78,896
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,792/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,592
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,247/mo
Today · 4.125%
HK$87,054
baseline
▲ 0.50% · 4.625%
HK$91,643
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,108/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,295 · Scale 2, in force from 26 Feb 2026)