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$41,228
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,303/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,479
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,866
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,096
−HK$1,248/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$50,892
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,473
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,564/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,497/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,719
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,514
−HK$1,824/mo
Today · 4.125%
HK$61,338
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,733/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,676/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,212
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,934
−HK$1,747/mo
Today · 4.125%
HK$67,681
baseline
▲ 0.50% · 4.625%
HK$71,248
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,362/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,210
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,346/mo
Today · 4.125%
HK$78,864
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,798/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,728/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,558
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,772
−HK$2,246/mo
Today · 4.125%
HK$87,018
baseline
▲ 0.50% · 4.625%
HK$91,605
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,036/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,013 · Scale 2, in force from 26 Feb 2026)