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$41,290
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,574
−HK$1,305/mo
Today · 4.125%
HK$43,879
baseline
▲ 0.50% · 4.625%
HK$46,549
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,758/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,250/mo
Today · 4.125%
HK$48,416
baseline
▲ 0.50% · 4.625%
HK$50,968
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,832/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,089
−HK$1,566/mo
Today · 4.125%
HK$52,655
baseline
▲ 0.50% · 4.625%
HK$55,859
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,310/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,121
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,500/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,805
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,604
−HK$1,826/mo
Today · 4.125%
HK$61,430
baseline
▲ 0.50% · 4.625%
HK$65,168
+HK$3,738/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,860/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,308
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,033
−HK$1,749/mo
Today · 4.125%
HK$67,782
baseline
▲ 0.50% · 4.625%
HK$71,355
+HK$3,573/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,564/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,321
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,633
−HK$2,349/mo
Today · 4.125%
HK$78,982
baseline
▲ 0.50% · 4.625%
HK$83,788
+HK$4,806/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,964/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,682
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,899
−HK$2,250/mo
Today · 4.125%
HK$87,149
baseline
▲ 0.50% · 4.625%
HK$91,743
+HK$4,594/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,298/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,030 · Scale 2, in force from 26 Feb 2026)