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$41,253
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,537
−HK$1,303/mo
Today · 4.125%
HK$43,840
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,680/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,248/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$50,923
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,564/mo
Today · 4.125%
HK$52,608
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,216/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,073
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,550
−HK$1,498/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,755
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,551
−HK$1,825/mo
Today · 4.125%
HK$61,376
baseline
▲ 0.50% · 4.625%
HK$65,111
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,752/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,252
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,975
−HK$1,748/mo
Today · 4.125%
HK$67,723
baseline
▲ 0.50% · 4.625%
HK$71,293
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,446/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,256
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,347/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,609
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,247/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,434 · Scale 2, in force from 26 Feb 2026)