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$41,256
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,539
−HK$1,304/mo
Today · 4.125%
HK$43,843
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,667/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,686/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,249/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$50,926
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,564/mo
Today · 4.125%
HK$52,611
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,222/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,498/mo
Today · 4.125%
HK$58,051
baseline
▲ 0.50% · 4.625%
HK$61,111
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,102/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,758
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,554
−HK$1,826/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$65,115
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,255
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,978
−HK$1,749/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,296
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,260
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,347/mo
Today · 4.125%
HK$78,917
baseline
▲ 0.50% · 4.625%
HK$83,719
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,834/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,614
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,829
−HK$2,248/mo
Today · 4.125%
HK$87,077
baseline
▲ 0.50% · 4.625%
HK$91,667
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,154/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,470 · Scale 2, in force from 26 Feb 2026)