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$41,246
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,304/mo
Today · 4.125%
HK$43,833
baseline
▲ 0.50% · 4.625%
HK$46,500
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,666/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,886
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,249/mo
Today · 4.125%
HK$48,365
baseline
▲ 0.50% · 4.625%
HK$50,914
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,730/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,495
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,564/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,800
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,063
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,540
−HK$1,498/mo
Today · 4.125%
HK$58,038
baseline
▲ 0.50% · 4.625%
HK$61,097
+HK$3,059/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,076/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,745
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,541
−HK$1,825/mo
Today · 4.125%
HK$61,366
baseline
▲ 0.50% · 4.625%
HK$65,100
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,732/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,240
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,963
−HK$1,748/mo
Today · 4.125%
HK$67,711
baseline
▲ 0.50% · 4.625%
HK$71,280
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,422/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,243
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,552
−HK$2,347/mo
Today · 4.125%
HK$78,899
baseline
▲ 0.50% · 4.625%
HK$83,699
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,798/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,595
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,810
−HK$2,247/mo
Today · 4.125%
HK$87,057
baseline
▲ 0.50% · 4.625%
HK$91,646
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,114/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,314 · Scale 2, in force from 26 Feb 2026)