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$41,276
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,305/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,534
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,249/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$50,952
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,072
−HK$1,566/mo
Today · 4.125%
HK$52,638
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,276/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,103
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,499/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,142
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,787
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,584
−HK$1,827/mo
Today · 4.125%
HK$61,411
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,822/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$1,750/mo
Today · 4.125%
HK$67,761
baseline
▲ 0.50% · 4.625%
HK$71,332
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,522/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,297
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,348/mo
Today · 4.125%
HK$78,956
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,912/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,655
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,872
−HK$2,249/mo
Today · 4.125%
HK$87,121
baseline
▲ 0.50% · 4.625%
HK$91,713
+HK$4,592/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,242/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,811 · Scale 2, in force from 26 Feb 2026)