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$41,265
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,549
−HK$1,304/mo
Today · 4.125%
HK$43,853
baseline
▲ 0.50% · 4.625%
HK$46,521
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,706/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,907
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,249/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$50,938
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,059
−HK$1,564/mo
Today · 4.125%
HK$52,623
baseline
▲ 0.50% · 4.625%
HK$55,825
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,246/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,089
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,566
−HK$1,499/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,826/mo
Today · 4.125%
HK$61,394
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,788/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,270
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$1,748/mo
Today · 4.125%
HK$67,742
baseline
▲ 0.50% · 4.625%
HK$71,313
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,484/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,588
−HK$2,347/mo
Today · 4.125%
HK$78,935
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,870/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,633
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,849
−HK$2,248/mo
Today · 4.125%
HK$87,097
baseline
▲ 0.50% · 4.625%
HK$91,688
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,194/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,628 · Scale 2, in force from 26 Feb 2026)