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$41,266
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,550
−HK$1,304/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,522
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,249/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,060
−HK$1,565/mo
Today · 4.125%
HK$52,625
baseline
▲ 0.50% · 4.625%
HK$55,827
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,250/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,090
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,499/mo
Today · 4.125%
HK$58,066
baseline
▲ 0.50% · 4.625%
HK$61,127
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,132/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,772
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,825/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$65,131
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$1,749/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,315
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,279
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,589
−HK$2,348/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,740
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,635
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,851
−HK$2,248/mo
Today · 4.125%
HK$87,099
baseline
▲ 0.50% · 4.625%
HK$91,690
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,198/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,642 · Scale 2, in force from 26 Feb 2026)