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$41,252
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,535
−HK$1,304/mo
Today · 4.125%
HK$43,839
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,667/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,678/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,892
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,123
−HK$1,249/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$50,921
+HK$2,549/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,744/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,502
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,042
−HK$1,565/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,807
+HK$3,200/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$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,071
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,548
−HK$1,498/mo
Today · 4.125%
HK$58,046
baseline
▲ 0.50% · 4.625%
HK$61,106
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,092/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,549
−HK$1,825/mo
Today · 4.125%
HK$61,374
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,748/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,249
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,972
−HK$1,748/mo
Today · 4.125%
HK$67,720
baseline
▲ 0.50% · 4.625%
HK$71,290
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,440/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,253
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,563
−HK$2,347/mo
Today · 4.125%
HK$78,910
baseline
▲ 0.50% · 4.625%
HK$83,711
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,820/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,606
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,822
−HK$2,247/mo
Today · 4.125%
HK$87,069
baseline
▲ 0.50% · 4.625%
HK$91,659
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,138/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,409 · Scale 2, in force from 26 Feb 2026)