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$41,241
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,524
−HK$1,304/mo
Today · 4.125%
HK$43,828
baseline
▲ 0.50% · 4.625%
HK$46,494
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,656/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,881
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,111
−HK$1,248/mo
Today · 4.125%
HK$48,359
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,550/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,718/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,490
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,029
−HK$1,564/mo
Today · 4.125%
HK$52,593
baseline
▲ 0.50% · 4.625%
HK$55,793
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,186/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,057
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,533
−HK$1,498/mo
Today · 4.125%
HK$58,031
baseline
▲ 0.50% · 4.625%
HK$61,090
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,062/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,534
−HK$1,825/mo
Today · 4.125%
HK$61,359
baseline
▲ 0.50% · 4.625%
HK$65,092
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,718/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,233
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,956
−HK$1,747/mo
Today · 4.125%
HK$67,703
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,406/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,235
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,544
−HK$2,346/mo
Today · 4.125%
HK$78,890
baseline
▲ 0.50% · 4.625%
HK$83,690
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,780/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,585
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,800
−HK$2,247/mo
Today · 4.125%
HK$87,047
baseline
▲ 0.50% · 4.625%
HK$91,635
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,094/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,237 · Scale 2, in force from 26 Feb 2026)