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$41,282
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,304/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,540
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,157
−HK$1,249/mo
Today · 4.125%
HK$48,406
baseline
▲ 0.50% · 4.625%
HK$50,958
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,812/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,538
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,565/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,110
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,500/mo
Today · 4.125%
HK$58,088
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,176/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,592
−HK$1,826/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$65,156
+HK$3,738/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,295
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$1,749/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,341
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,307
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,618
−HK$2,348/mo
Today · 4.125%
HK$78,966
baseline
▲ 0.50% · 4.625%
HK$83,771
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,932/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,666
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,883
−HK$2,249/mo
Today · 4.125%
HK$87,132
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,264/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,897 · Scale 2, in force from 26 Feb 2026)