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$41,298
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,583
−HK$1,305/mo
Today · 4.125%
HK$43,888
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,776/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,176
−HK$1,250/mo
Today · 4.125%
HK$48,426
baseline
▲ 0.50% · 4.625%
HK$50,979
+HK$2,553/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,852/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,100
−HK$1,566/mo
Today · 4.125%
HK$52,666
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$105,332/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,133
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,612
−HK$1,500/mo
Today · 4.125%
HK$58,112
baseline
▲ 0.50% · 4.625%
HK$61,175
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$116,224/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,818
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,616
−HK$1,827/mo
Today · 4.125%
HK$61,443
baseline
▲ 0.50% · 4.625%
HK$65,182
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,886/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,322
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,047
−HK$1,750/mo
Today · 4.125%
HK$67,797
baseline
▲ 0.50% · 4.625%
HK$71,370
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,594/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,337
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,649
−HK$2,350/mo
Today · 4.125%
HK$78,999
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,998/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,250/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$91,762
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,175 · Scale 2, in force from 26 Feb 2026)