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$41,300
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,305/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,250/mo
Today · 4.125%
HK$48,429
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,552/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,858/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,561
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,102
−HK$1,566/mo
Today · 4.125%
HK$52,668
baseline
▲ 0.50% · 4.625%
HK$55,873
+HK$3,205/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$105,336/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,136
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,614
−HK$1,500/mo
Today · 4.125%
HK$58,114
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,064/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$116,228/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,821
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,619
−HK$1,828/mo
Today · 4.125%
HK$61,447
baseline
▲ 0.50% · 4.625%
HK$65,185
+HK$3,738/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,894/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,325
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,050
−HK$1,750/mo
Today · 4.125%
HK$67,800
baseline
▲ 0.50% · 4.625%
HK$71,374
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,600/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,341
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,653
−HK$2,350/mo
Today · 4.125%
HK$79,003
baseline
▲ 0.50% · 4.625%
HK$83,810
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$158,006/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,703
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,922
−HK$2,250/mo
Today · 4.125%
HK$87,172
baseline
▲ 0.50% · 4.625%
HK$91,767
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,344/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,208 · Scale 2, in force from 26 Feb 2026)