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$41,240
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,522
−HK$1,304/mo
Today · 4.125%
HK$43,826
baseline
▲ 0.50% · 4.625%
HK$46,492
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,652/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,879
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,109
−HK$1,248/mo
Today · 4.125%
HK$48,357
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,714/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,488
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,027
−HK$1,564/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,791
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,054
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,498/mo
Today · 4.125%
HK$58,029
baseline
▲ 0.50% · 4.625%
HK$61,088
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,058/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,735
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,531
−HK$1,825/mo
Today · 4.125%
HK$61,356
baseline
▲ 0.50% · 4.625%
HK$65,089
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,712/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,230
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,953
−HK$1,747/mo
Today · 4.125%
HK$67,700
baseline
▲ 0.50% · 4.625%
HK$71,269
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,400/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,231
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,540
−HK$2,346/mo
Today · 4.125%
HK$78,886
baseline
▲ 0.50% · 4.625%
HK$83,686
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,772/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,582
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,796
−HK$2,247/mo
Today · 4.125%
HK$87,043
baseline
▲ 0.50% · 4.625%
HK$91,631
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,086/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,207 · Scale 2, in force from 26 Feb 2026)