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$41,250
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,303/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,505
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,249/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,501
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,565/mo
Today · 4.125%
HK$52,605
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$3,201/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$105,210/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,069
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,546
−HK$1,498/mo
Today · 4.125%
HK$58,044
baseline
▲ 0.50% · 4.625%
HK$61,104
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.85M · min. income ≈ HK$116,088/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,547
−HK$1,825/mo
Today · 4.125%
HK$61,372
baseline
▲ 0.50% · 4.625%
HK$65,106
+HK$3,734/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,744/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,247
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,970
−HK$1,748/mo
Today · 4.125%
HK$67,718
baseline
▲ 0.50% · 4.625%
HK$71,288
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,436/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,251
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,347/mo
Today · 4.125%
HK$78,907
baseline
▲ 0.50% · 4.625%
HK$83,708
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,814/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,603
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,819
−HK$2,247/mo
Today · 4.125%
HK$87,066
baseline
▲ 0.50% · 4.625%
HK$91,655
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,132/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,385 · Scale 2, in force from 26 Feb 2026)