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$41,263
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,547
−HK$1,304/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,519
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,905
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,249/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,516
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,056
−HK$1,565/mo
Today · 4.125%
HK$52,621
baseline
▲ 0.50% · 4.625%
HK$55,823
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,242/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,086
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,563
−HK$1,499/mo
Today · 4.125%
HK$58,062
baseline
▲ 0.50% · 4.625%
HK$61,123
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,124/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,769
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,566
−HK$1,825/mo
Today · 4.125%
HK$61,391
baseline
▲ 0.50% · 4.625%
HK$65,127
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,782/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,267
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,991
−HK$1,748/mo
Today · 4.125%
HK$67,739
baseline
▲ 0.50% · 4.625%
HK$71,310
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,478/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,274
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,584
−HK$2,348/mo
Today · 4.125%
HK$78,932
baseline
▲ 0.50% · 4.625%
HK$83,734
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,864/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,629
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,845
−HK$2,248/mo
Today · 4.125%
HK$87,093
baseline
▲ 0.50% · 4.625%
HK$91,684
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,186/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,597 · Scale 2, in force from 26 Feb 2026)