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$41,251
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,304/mo
Today · 4.125%
HK$43,838
baseline
▲ 0.50% · 4.625%
HK$46,505
+HK$2,667/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,676/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,249/mo
Today · 4.125%
HK$48,371
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,549/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,742/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,501
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,041
−HK$1,564/mo
Today · 4.125%
HK$52,605
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,210/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,070
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,498/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,105
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,548
−HK$1,825/mo
Today · 4.125%
HK$61,373
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,746/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,971
−HK$1,748/mo
Today · 4.125%
HK$67,719
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,438/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,252
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,562
−HK$2,346/mo
Today · 4.125%
HK$78,908
baseline
▲ 0.50% · 4.625%
HK$83,709
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,816/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,604
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,820
−HK$2,247/mo
Today · 4.125%
HK$87,067
baseline
▲ 0.50% · 4.625%
HK$91,657
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,134/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,395 · Scale 2, in force from 26 Feb 2026)