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$41,233
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,303/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,872
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,248/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$50,899
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,564/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,046
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,498/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,078
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,727
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,825/mo
Today · 4.125%
HK$61,347
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,694/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,220
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,943
−HK$1,747/mo
Today · 4.125%
HK$67,690
baseline
▲ 0.50% · 4.625%
HK$71,258
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,380/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,220
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,529
−HK$2,345/mo
Today · 4.125%
HK$78,874
baseline
▲ 0.50% · 4.625%
HK$83,674
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,748/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,569
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,783
−HK$2,247/mo
Today · 4.125%
HK$87,030
baseline
▲ 0.50% · 4.625%
HK$91,617
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,060/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,104 · Scale 2, in force from 26 Feb 2026)