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$41,245
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,304/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,499
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,248/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,494
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,034
−HK$1,564/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,799
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,062
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,539
−HK$1,498/mo
Today · 4.125%
HK$58,037
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,059/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,074/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,744
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,540
−HK$1,825/mo
Today · 4.125%
HK$61,365
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,730/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,239
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,962
−HK$1,748/mo
Today · 4.125%
HK$67,710
baseline
▲ 0.50% · 4.625%
HK$71,279
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,420/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,242
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,551
−HK$2,346/mo
Today · 4.125%
HK$78,897
baseline
▲ 0.50% · 4.625%
HK$83,698
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,794/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,593
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,808
−HK$2,247/mo
Today · 4.125%
HK$87,055
baseline
▲ 0.50% · 4.625%
HK$91,644
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,110/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,302 · Scale 2, in force from 26 Feb 2026)