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$41,250
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,533
−HK$1,304/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,504
+HK$2,667/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,890
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,249/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$50,919
+HK$2,549/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,500
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,564/mo
Today · 4.125%
HK$52,604
baseline
▲ 0.50% · 4.625%
HK$55,805
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,208/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,499/mo
Today · 4.125%
HK$58,044
baseline
▲ 0.50% · 4.625%
HK$61,103
+HK$3,059/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,088/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,750
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,826/mo
Today · 4.125%
HK$61,372
baseline
▲ 0.50% · 4.625%
HK$65,106
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,744/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,246
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,969
−HK$1,748/mo
Today · 4.125%
HK$67,717
baseline
▲ 0.50% · 4.625%
HK$71,287
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,434/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,250
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,346/mo
Today · 4.125%
HK$78,906
baseline
▲ 0.50% · 4.625%
HK$83,708
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,812/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,603
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,818
−HK$2,247/mo
Today · 4.125%
HK$87,065
baseline
▲ 0.50% · 4.625%
HK$91,655
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,130/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,379 · Scale 2, in force from 26 Feb 2026)