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$41,266
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,549
−HK$1,304/mo
Today · 4.125%
HK$43,853
baseline
▲ 0.50% · 4.625%
HK$46,522
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,706/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,249/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,059
−HK$1,565/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,826
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,089
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,499/mo
Today · 4.125%
HK$58,066
baseline
▲ 0.50% · 4.625%
HK$61,126
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,132/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,772
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,569
−HK$1,826/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$65,131
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$1,749/mo
Today · 4.125%
HK$67,743
baseline
▲ 0.50% · 4.625%
HK$71,314
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,486/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,278
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,589
−HK$2,347/mo
Today · 4.125%
HK$78,936
baseline
▲ 0.50% · 4.625%
HK$83,739
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,872/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,634
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,850
−HK$2,248/mo
Today · 4.125%
HK$87,098
baseline
▲ 0.50% · 4.625%
HK$91,689
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,637 · Scale 2, in force from 26 Feb 2026)