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$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,231
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,214/mo
Today · 4.125%
HK$47,045
baseline
▲ 0.50% · 4.625%
HK$49,525
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,090/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,144
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,642
−HK$1,521/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$54,277
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,560
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,997
−HK$1,457/mo
Today · 4.125%
HK$56,454
baseline
▲ 0.50% · 4.625%
HK$59,430
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,908/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,168
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,916
−HK$1,775/mo
Today · 4.125%
HK$59,691
baseline
▲ 0.50% · 4.625%
HK$63,323
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,382/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,700/mo
Today · 4.125%
HK$65,863
baseline
▲ 0.50% · 4.625%
HK$69,335
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,726/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,217
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,463
−HK$2,282/mo
Today · 4.125%
HK$76,745
baseline
▲ 0.50% · 4.625%
HK$81,415
+HK$4,670/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,490/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,340
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,495
−HK$2,186/mo
Today · 4.125%
HK$84,681
baseline
▲ 0.50% · 4.625%
HK$89,144
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,362/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,800 · Scale 2, in force from 26 Feb 2026)