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$41,237
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,520
−HK$1,303/mo
Today · 4.125%
HK$43,823
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,646/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,876
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,248/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$50,903
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,484
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,024
−HK$1,563/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,498/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,084
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,824/mo
Today · 4.125%
HK$61,352
baseline
▲ 0.50% · 4.625%
HK$65,085
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,704/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,226
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,948
−HK$1,748/mo
Today · 4.125%
HK$67,696
baseline
▲ 0.50% · 4.625%
HK$71,264
+HK$3,568/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,392/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,227
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,535
−HK$2,346/mo
Today · 4.125%
HK$78,881
baseline
▲ 0.50% · 4.625%
HK$83,681
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,762/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,576
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,791
−HK$2,247/mo
Today · 4.125%
HK$87,038
baseline
▲ 0.50% · 4.625%
HK$91,625
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,076/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,164 · Scale 2, in force from 26 Feb 2026)