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$41,229
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,303/mo
Today · 4.125%
HK$43,814
baseline
▲ 0.50% · 4.625%
HK$46,480
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,628/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,867
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,248/mo
Today · 4.125%
HK$48,345
baseline
▲ 0.50% · 4.625%
HK$50,893
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,690/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,013
−HK$1,564/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,498/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,720
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,516
−HK$1,824/mo
Today · 4.125%
HK$61,340
baseline
▲ 0.50% · 4.625%
HK$65,072
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,680/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,935
−HK$1,747/mo
Today · 4.125%
HK$67,682
baseline
▲ 0.50% · 4.625%
HK$71,250
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,364/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,212
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,520
−HK$2,346/mo
Today · 4.125%
HK$78,866
baseline
▲ 0.50% · 4.625%
HK$83,664
+HK$4,798/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,732/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,560
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,246/mo
Today · 4.125%
HK$87,020
baseline
▲ 0.50% · 4.625%
HK$91,607
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,040/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,029 · Scale 2, in force from 26 Feb 2026)