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$41,278
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,305/mo
Today · 4.125%
HK$43,867
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,734/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,922
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,250/mo
Today · 4.125%
HK$48,403
baseline
▲ 0.50% · 4.625%
HK$50,954
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,806/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,075
−HK$1,565/mo
Today · 4.125%
HK$52,640
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,280/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,106
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,499/mo
Today · 4.125%
HK$58,083
baseline
▲ 0.50% · 4.625%
HK$61,145
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,166/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,789
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,826/mo
Today · 4.125%
HK$61,413
baseline
▲ 0.50% · 4.625%
HK$65,150
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,826/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,290
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,014
−HK$1,750/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,301
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,612
−HK$2,348/mo
Today · 4.125%
HK$78,960
baseline
▲ 0.50% · 4.625%
HK$83,765
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,920/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,659
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,249/mo
Today · 4.125%
HK$87,125
baseline
▲ 0.50% · 4.625%
HK$91,717
+HK$4,592/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,250/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,842 · Scale 2, in force from 26 Feb 2026)