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$41,279
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,563
−HK$1,305/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,154
−HK$1,250/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$50,955
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,535
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,565/mo
Today · 4.125%
HK$52,641
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,282/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,107
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,585
−HK$1,500/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,146
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,791
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,826/mo
Today · 4.125%
HK$61,415
baseline
▲ 0.50% · 4.625%
HK$65,152
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,830/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,292
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,016
−HK$1,749/mo
Today · 4.125%
HK$67,765
baseline
▲ 0.50% · 4.625%
HK$71,337
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,530/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,303
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,614
−HK$2,348/mo
Today · 4.125%
HK$78,962
baseline
▲ 0.50% · 4.625%
HK$83,767
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,924/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,661
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,878
−HK$2,249/mo
Today · 4.125%
HK$87,127
baseline
▲ 0.50% · 4.625%
HK$91,720
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,254/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,860 · Scale 2, in force from 26 Feb 2026)