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$42,554
−HK$1,305/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,668/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$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,481/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$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,525
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,065
−HK$1,565/mo
Today · 4.125%
HK$52,630
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,260/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,096
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,573
−HK$1,499/mo
Today · 4.125%
HK$58,072
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,144/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,779
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,576
−HK$1,826/mo
Today · 4.125%
HK$61,402
baseline
▲ 0.50% · 4.625%
HK$65,138
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,804/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,278
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,002
−HK$1,749/mo
Today · 4.125%
HK$67,751
baseline
▲ 0.50% · 4.625%
HK$71,322
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,502/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,287
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,598
−HK$2,348/mo
Today · 4.125%
HK$78,946
baseline
▲ 0.50% · 4.625%
HK$83,749
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,892/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,644
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,860
−HK$2,249/mo
Today · 4.125%
HK$87,109
baseline
▲ 0.50% · 4.625%
HK$91,700
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,218/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,717 · Scale 2, in force from 26 Feb 2026)