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$40,695
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,286/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,878
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,232/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,353
−HK$1,543/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,784
−HK$1,478/mo
Today · 4.125%
HK$57,262
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,524/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,973
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,745
−HK$1,801/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$64,230
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,382
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,082
−HK$1,724/mo
Today · 4.125%
HK$66,806
baseline
▲ 0.50% · 4.625%
HK$70,328
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,612/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,251
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,529
−HK$2,315/mo
Today · 4.125%
HK$77,844
baseline
▲ 0.50% · 4.625%
HK$82,581
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,688/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,491
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,676
−HK$2,218/mo
Today · 4.125%
HK$85,894
baseline
▲ 0.50% · 4.625%
HK$90,421
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,788/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,250 · Scale 2, in force from 26 Feb 2026)