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$41,276
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,304/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,533
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,249/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,531
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,072
−HK$1,565/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,840
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,103
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,499/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,786
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,584
−HK$1,826/mo
Today · 4.125%
HK$61,410
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,820/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$1,749/mo
Today · 4.125%
HK$67,760
baseline
▲ 0.50% · 4.625%
HK$71,332
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,520/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,297
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,348/mo
Today · 4.125%
HK$78,956
baseline
▲ 0.50% · 4.625%
HK$83,760
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,912/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,654
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,249/mo
Today · 4.125%
HK$87,120
baseline
▲ 0.50% · 4.625%
HK$91,712
+HK$4,592/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,240/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,805 · Scale 2, in force from 26 Feb 2026)