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$38,126
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,312
−HK$1,205/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,154/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,751
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,174
−HK$1,446/mo
Today · 4.125%
HK$48,620
baseline
▲ 0.50% · 4.625%
HK$51,578
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,240/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,897
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,262
−HK$1,385/mo
Today · 4.125%
HK$53,647
baseline
▲ 0.50% · 4.625%
HK$56,475
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,294/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,036
−HK$1,687/mo
Today · 4.125%
HK$56,723
baseline
▲ 0.50% · 4.625%
HK$60,175
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,446/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,380
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,973
−HK$1,615/mo
Today · 4.125%
HK$62,588
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,176/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,626
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,761
−HK$2,169/mo
Today · 4.125%
HK$72,930
baseline
▲ 0.50% · 4.625%
HK$77,367
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,860/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,346
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,394
−HK$2,077/mo
Today · 4.125%
HK$80,471
baseline
▲ 0.50% · 4.625%
HK$84,713
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,942/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,999 · Scale 2, in force from 26 Feb 2026)