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$41,148
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,300/mo
Today · 4.125%
HK$43,728
baseline
▲ 0.50% · 4.625%
HK$46,389
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,456/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,004
−HK$1,246/mo
Today · 4.125%
HK$48,250
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,500/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,378
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,914
−HK$1,560/mo
Today · 4.125%
HK$52,474
baseline
▲ 0.50% · 4.625%
HK$55,667
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,948/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,932
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,495/mo
Today · 4.125%
HK$57,900
baseline
▲ 0.50% · 4.625%
HK$60,952
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,800/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,607
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,399
−HK$1,821/mo
Today · 4.125%
HK$61,220
baseline
▲ 0.50% · 4.625%
HK$64,945
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,440/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,806
−HK$1,744/mo
Today · 4.125%
HK$67,550
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,100/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,066
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,370
−HK$2,341/mo
Today · 4.125%
HK$78,711
baseline
▲ 0.50% · 4.625%
HK$83,500
+HK$4,789/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,422/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,398
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,608
−HK$2,242/mo
Today · 4.125%
HK$86,850
baseline
▲ 0.50% · 4.625%
HK$91,428
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,700/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,700 · Scale 2, in force from 26 Feb 2026)