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$41,248
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,303/mo
Today · 4.125%
HK$43,834
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,668/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,888
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,249/mo
Today · 4.125%
HK$48,367
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,734/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,497
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,037
−HK$1,564/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,802
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,065
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,498/mo
Today · 4.125%
HK$58,040
baseline
▲ 0.50% · 4.625%
HK$61,100
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,080/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,747
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,825/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$65,102
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,243
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$1,748/mo
Today · 4.125%
HK$67,714
baseline
▲ 0.50% · 4.625%
HK$71,283
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,428/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,246
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,555
−HK$2,347/mo
Today · 4.125%
HK$78,902
baseline
▲ 0.50% · 4.625%
HK$83,703
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,804/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,598
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,813
−HK$2,247/mo
Today · 4.125%
HK$87,060
baseline
▲ 0.50% · 4.625%
HK$91,649
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,120/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,340 · Scale 2, in force from 26 Feb 2026)