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$41,230
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,303/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,868
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,098
−HK$1,248/mo
Today · 4.125%
HK$48,346
baseline
▲ 0.50% · 4.625%
HK$50,894
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,692/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,015
−HK$1,564/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,778
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,042
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,518
−HK$1,497/mo
Today · 4.125%
HK$58,015
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,030/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,722
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,824/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$65,074
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,215
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,937
−HK$1,748/mo
Today · 4.125%
HK$67,685
baseline
▲ 0.50% · 4.625%
HK$71,252
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,370/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,214
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,523
−HK$2,345/mo
Today · 4.125%
HK$78,868
baseline
▲ 0.50% · 4.625%
HK$83,667
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,736/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,562
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,777
−HK$2,246/mo
Today · 4.125%
HK$87,023
baseline
▲ 0.50% · 4.625%
HK$91,610
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,046/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,050 · Scale 2, in force from 26 Feb 2026)