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$41,278
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,304/mo
Today · 4.125%
HK$43,866
baseline
▲ 0.50% · 4.625%
HK$46,535
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,732/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,921
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,152
−HK$1,250/mo
Today · 4.125%
HK$48,402
baseline
▲ 0.50% · 4.625%
HK$50,953
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,804/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,533
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,074
−HK$1,565/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,842
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,105
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,583
−HK$1,499/mo
Today · 4.125%
HK$58,082
baseline
▲ 0.50% · 4.625%
HK$61,144
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,164/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,789
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,586
−HK$1,826/mo
Today · 4.125%
HK$61,412
baseline
▲ 0.50% · 4.625%
HK$65,149
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,824/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,289
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,013
−HK$1,750/mo
Today · 4.125%
HK$67,763
baseline
▲ 0.50% · 4.625%
HK$71,334
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,526/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,300
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,348/mo
Today · 4.125%
HK$78,959
baseline
▲ 0.50% · 4.625%
HK$83,763
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,918/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,658
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,874
−HK$2,249/mo
Today · 4.125%
HK$87,123
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,246/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,831 · Scale 2, in force from 26 Feb 2026)