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$41,231
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,303/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,870
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,248/mo
Today · 4.125%
HK$48,348
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,696/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,478
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,017
−HK$1,563/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,780
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,043
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,520
−HK$1,497/mo
Today · 4.125%
HK$58,017
baseline
▲ 0.50% · 4.625%
HK$61,075
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,034/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,724
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,824/mo
Today · 4.125%
HK$61,344
baseline
▲ 0.50% · 4.625%
HK$65,076
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,688/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,217
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$1,747/mo
Today · 4.125%
HK$67,687
baseline
▲ 0.50% · 4.625%
HK$71,255
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,374/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,217
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,346/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,670
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,565
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,780
−HK$2,246/mo
Today · 4.125%
HK$87,026
baseline
▲ 0.50% · 4.625%
HK$91,613
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,052/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,073 · Scale 2, in force from 26 Feb 2026)