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$41,227
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,303/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,479
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,865
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,248/mo
Today · 4.125%
HK$48,343
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,686/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,473
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,563/mo
Today · 4.125%
HK$52,575
baseline
▲ 0.50% · 4.625%
HK$55,774
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,150/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,038
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,514
−HK$1,498/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,718
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,514
−HK$1,824/mo
Today · 4.125%
HK$61,338
baseline
▲ 0.50% · 4.625%
HK$65,070
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,676/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,211
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,933
−HK$1,747/mo
Today · 4.125%
HK$67,680
baseline
▲ 0.50% · 4.625%
HK$71,248
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,360/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,209
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,345/mo
Today · 4.125%
HK$78,863
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,726/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,557
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,771
−HK$2,247/mo
Today · 4.125%
HK$87,018
baseline
▲ 0.50% · 4.625%
HK$91,604
+HK$4,586/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,036/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,007 · Scale 2, in force from 26 Feb 2026)