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$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,554
−HK$1,304/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,249/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,944
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,786/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,524
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,566/mo
Today · 4.125%
HK$52,630
baseline
▲ 0.50% · 4.625%
HK$55,832
+HK$3,202/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$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,095
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,572
−HK$1,499/mo
Today · 4.125%
HK$58,071
baseline
▲ 0.50% · 4.625%
HK$61,133
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,142/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,778
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,575
−HK$1,826/mo
Today · 4.125%
HK$61,401
baseline
▲ 0.50% · 4.625%
HK$65,137
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,802/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,277
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,001
−HK$1,749/mo
Today · 4.125%
HK$67,750
baseline
▲ 0.50% · 4.625%
HK$71,321
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,500/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,286
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,597
−HK$2,347/mo
Today · 4.125%
HK$78,944
baseline
▲ 0.50% · 4.625%
HK$83,748
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,888/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,642
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,859
−HK$2,248/mo
Today · 4.125%
HK$87,107
baseline
▲ 0.50% · 4.625%
HK$91,699
+HK$4,592/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,214/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,706 · Scale 2, in force from 26 Feb 2026)