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$41,271
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,555
−HK$1,304/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,249/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$50,945
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,525
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,565/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,834
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,574
−HK$1,499/mo
Today · 4.125%
HK$58,073
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,146/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,780
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,826/mo
Today · 4.125%
HK$61,403
baseline
▲ 0.50% · 4.625%
HK$65,139
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,806/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,003
−HK$1,749/mo
Today · 4.125%
HK$67,752
baseline
▲ 0.50% · 4.625%
HK$71,323
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,504/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,288
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,599
−HK$2,348/mo
Today · 4.125%
HK$78,947
baseline
▲ 0.50% · 4.625%
HK$83,750
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,894/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,645
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,861
−HK$2,249/mo
Today · 4.125%
HK$87,110
baseline
▲ 0.50% · 4.625%
HK$91,701
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,220/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,726 · Scale 2, in force from 26 Feb 2026)