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$41,288
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,572
−HK$1,305/mo
Today · 4.125%
HK$43,877
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,754/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,164
−HK$1,250/mo
Today · 4.125%
HK$48,414
baseline
▲ 0.50% · 4.625%
HK$50,966
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,828/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,086
−HK$1,566/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,856
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,119
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,499/mo
Today · 4.125%
HK$58,096
baseline
▲ 0.50% · 4.625%
HK$61,159
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,192/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,601
−HK$1,826/mo
Today · 4.125%
HK$61,427
baseline
▲ 0.50% · 4.625%
HK$65,165
+HK$3,738/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,854/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,305
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,030
−HK$1,749/mo
Today · 4.125%
HK$67,779
baseline
▲ 0.50% · 4.625%
HK$71,352
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,558/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,318
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,629
−HK$2,349/mo
Today · 4.125%
HK$78,978
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,806/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,956/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,678
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,895
−HK$2,250/mo
Today · 4.125%
HK$87,145
baseline
▲ 0.50% · 4.625%
HK$91,738
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,290/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,997 · Scale 2, in force from 26 Feb 2026)