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$41,232
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,303/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,870
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,248/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,479
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,018
−HK$1,563/mo
Today · 4.125%
HK$52,581
baseline
▲ 0.50% · 4.625%
HK$55,781
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,162/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,044
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,497/mo
Today · 4.125%
HK$58,018
baseline
▲ 0.50% · 4.625%
HK$61,077
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,036/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,521
−HK$1,824/mo
Today · 4.125%
HK$61,345
baseline
▲ 0.50% · 4.625%
HK$65,078
+HK$3,733/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,690/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,219
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$1,747/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,218
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,527
−HK$2,345/mo
Today · 4.125%
HK$78,872
baseline
▲ 0.50% · 4.625%
HK$83,671
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,744/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,567
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,781
−HK$2,247/mo
Today · 4.125%
HK$87,028
baseline
▲ 0.50% · 4.625%
HK$91,615
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,056/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,085 · Scale 2, in force from 26 Feb 2026)