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$41,236
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,303/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,248/mo
Today · 4.125%
HK$48,353
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,706/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,483
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,564/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,498/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,731
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,825/mo
Today · 4.125%
HK$61,351
baseline
▲ 0.50% · 4.625%
HK$65,084
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,702/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,225
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,947
−HK$1,748/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,263
+HK$3,568/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,225
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,534
−HK$2,346/mo
Today · 4.125%
HK$78,880
baseline
▲ 0.50% · 4.625%
HK$83,679
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,760/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,575
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,789
−HK$2,247/mo
Today · 4.125%
HK$87,036
baseline
▲ 0.50% · 4.625%
HK$91,624
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,072/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,152 · Scale 2, in force from 26 Feb 2026)