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$2,587/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,304/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,249/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,513
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,053
−HK$1,565/mo
Today · 4.125%
HK$52,618
baseline
▲ 0.50% · 4.625%
HK$55,820
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,236/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,083
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,560
−HK$1,499/mo
Today · 4.125%
HK$58,059
baseline
▲ 0.50% · 4.625%
HK$61,119
+HK$3,060/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$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,765
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,562
−HK$1,826/mo
Today · 4.125%
HK$61,388
baseline
▲ 0.50% · 4.625%
HK$65,123
+HK$3,735/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$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,263
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,987
−HK$1,748/mo
Today · 4.125%
HK$67,735
baseline
▲ 0.50% · 4.625%
HK$71,306
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,470/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,270
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,580
−HK$2,347/mo
Today · 4.125%
HK$78,927
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,854/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,624
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,840
−HK$2,248/mo
Today · 4.125%
HK$87,088
baseline
▲ 0.50% · 4.625%
HK$91,679
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,176/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,557 · Scale 2, in force from 26 Feb 2026)