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$41,258
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,304/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,249/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$50,929
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,564/mo
Today · 4.125%
HK$52,614
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,228/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,079
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,556
−HK$1,499/mo
Today · 4.125%
HK$58,055
baseline
▲ 0.50% · 4.625%
HK$61,115
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,110/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,761
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,558
−HK$1,825/mo
Today · 4.125%
HK$61,383
baseline
▲ 0.50% · 4.625%
HK$65,118
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,766/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,259
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,982
−HK$1,748/mo
Today · 4.125%
HK$67,730
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,460/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,264
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,574
−HK$2,347/mo
Today · 4.125%
HK$78,921
baseline
▲ 0.50% · 4.625%
HK$83,724
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,842/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,618
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,834
−HK$2,248/mo
Today · 4.125%
HK$87,082
baseline
▲ 0.50% · 4.625%
HK$91,672
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,164/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,510 · Scale 2, in force from 26 Feb 2026)