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$41,286
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,304/mo
Today · 4.125%
HK$43,875
baseline
▲ 0.50% · 4.625%
HK$46,545
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,750/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,163
−HK$1,249/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,544
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,566/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,854
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,117
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,500/mo
Today · 4.125%
HK$58,095
baseline
▲ 0.50% · 4.625%
HK$61,157
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,190/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,827/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$65,163
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,303
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,028
−HK$1,749/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,350
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,349/mo
Today · 4.125%
HK$78,976
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,952/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,675
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,893
−HK$2,249/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$91,735
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,977 · Scale 2, in force from 26 Feb 2026)