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$41,244
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,303/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,249/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,493
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,032
−HK$1,565/mo
Today · 4.125%
HK$52,597
baseline
▲ 0.50% · 4.625%
HK$55,797
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,194/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,060
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,537
−HK$1,498/mo
Today · 4.125%
HK$58,035
baseline
▲ 0.50% · 4.625%
HK$61,094
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,070/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,742
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,538
−HK$1,825/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$65,096
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,237
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$1,748/mo
Today · 4.125%
HK$67,708
baseline
▲ 0.50% · 4.625%
HK$71,277
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,416/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,239
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,549
−HK$2,346/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,591
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,806
−HK$2,247/mo
Today · 4.125%
HK$87,053
baseline
▲ 0.50% · 4.625%
HK$91,641
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,106/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,281 · Scale 2, in force from 26 Feb 2026)