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$41,273
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,304/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,916
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,249/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,528
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,565/mo
Today · 4.125%
HK$52,633
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,266/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,099
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,499/mo
Today · 4.125%
HK$58,076
baseline
▲ 0.50% · 4.625%
HK$61,137
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,152/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,782
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,580
−HK$1,826/mo
Today · 4.125%
HK$61,406
baseline
▲ 0.50% · 4.625%
HK$65,142
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,812/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,282
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,006
−HK$1,749/mo
Today · 4.125%
HK$67,755
baseline
▲ 0.50% · 4.625%
HK$71,326
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,510/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,291
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,602
−HK$2,348/mo
Today · 4.125%
HK$78,950
baseline
▲ 0.50% · 4.625%
HK$83,754
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,900/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,648
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,865
−HK$2,249/mo
Today · 4.125%
HK$87,114
baseline
▲ 0.50% · 4.625%
HK$91,705
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,228/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,756 · Scale 2, in force from 26 Feb 2026)