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$41,136
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,300/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,375
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,763
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,245/mo
Today · 4.125%
HK$48,236
baseline
▲ 0.50% · 4.625%
HK$50,778
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,472/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,363
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,898
−HK$1,560/mo
Today · 4.125%
HK$52,458
baseline
▲ 0.50% · 4.625%
HK$55,650
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,916/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,916
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,389
−HK$1,494/mo
Today · 4.125%
HK$57,883
baseline
▲ 0.50% · 4.625%
HK$60,934
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,766/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,590
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,820/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,926
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,068
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$1,743/mo
Today · 4.125%
HK$67,530
baseline
▲ 0.50% · 4.625%
HK$71,089
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,060/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,044
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,348
−HK$2,340/mo
Today · 4.125%
HK$78,688
baseline
▲ 0.50% · 4.625%
HK$83,476
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,376/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,374
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,583
−HK$2,241/mo
Today · 4.125%
HK$86,824
baseline
▲ 0.50% · 4.625%
HK$91,401
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,648/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,500 · Scale 2, in force from 26 Feb 2026)