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$40,119
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,367
−HK$1,268/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$45,229
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,632
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,829
−HK$1,214/mo
Today · 4.125%
HK$47,043
baseline
▲ 0.50% · 4.625%
HK$49,523
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,086/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,143
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,640
−HK$1,522/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$54,275
+HK$3,113/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,457/mo
Today · 4.125%
HK$56,452
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,904/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,166
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,775/mo
Today · 4.125%
HK$59,688
baseline
▲ 0.50% · 4.625%
HK$63,320
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,376/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,485
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,160
−HK$1,700/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,332
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,214
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,460
−HK$2,282/mo
Today · 4.125%
HK$76,742
baseline
▲ 0.50% · 4.625%
HK$81,412
+HK$4,670/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,484/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,337
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,492
−HK$2,186/mo
Today · 4.125%
HK$84,678
baseline
▲ 0.50% · 4.625%
HK$89,141
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,356/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,775 · Scale 2, in force from 26 Feb 2026)