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$39,458
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,247/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,896
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,195/mo
Today · 4.125%
HK$46,268
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,536/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,349
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,822
−HK$1,496/mo
Today · 4.125%
HK$50,318
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,636/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,675
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,088
−HK$1,433/mo
Today · 4.125%
HK$55,521
baseline
▲ 0.50% · 4.625%
HK$58,448
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,042/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,241
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,959
−HK$1,746/mo
Today · 4.125%
HK$58,705
baseline
▲ 0.50% · 4.625%
HK$62,277
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,410/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,455
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,103
−HK$1,672/mo
Today · 4.125%
HK$64,775
baseline
▲ 0.50% · 4.625%
HK$68,189
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,550/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,024
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$2,244/mo
Today · 4.125%
HK$75,477
baseline
▲ 0.50% · 4.625%
HK$80,070
+HK$4,593/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,954/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,013
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,132
−HK$2,150/mo
Today · 4.125%
HK$83,282
baseline
▲ 0.50% · 4.625%
HK$87,672
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,564/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,900 · Scale 2, in force from 26 Feb 2026)