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$41,280
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,305/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,538
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,924
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,249/mo
Today · 4.125%
HK$48,405
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,810/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,077
−HK$1,566/mo
Today · 4.125%
HK$52,643
baseline
▲ 0.50% · 4.625%
HK$55,846
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,286/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,109
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,499/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,590
−HK$1,826/mo
Today · 4.125%
HK$61,416
baseline
▲ 0.50% · 4.625%
HK$65,153
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,832/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,293
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,018
−HK$1,749/mo
Today · 4.125%
HK$67,767
baseline
▲ 0.50% · 4.625%
HK$71,339
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,534/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,304
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,616
−HK$2,348/mo
Today · 4.125%
HK$78,964
baseline
▲ 0.50% · 4.625%
HK$83,769
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,928/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,663
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,880
−HK$2,249/mo
Today · 4.125%
HK$87,129
baseline
▲ 0.50% · 4.625%
HK$91,722
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,258/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,876 · Scale 2, in force from 26 Feb 2026)