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$2,588/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,304/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,538
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,249/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,077
−HK$1,565/mo
Today · 4.125%
HK$52,642
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,284/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,586
−HK$1,499/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,827/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$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,293
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$1,749/mo
Today · 4.125%
HK$67,766
baseline
▲ 0.50% · 4.625%
HK$71,338
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,532/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,304
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,615
−HK$2,348/mo
Today · 4.125%
HK$78,963
baseline
▲ 0.50% · 4.625%
HK$83,768
+HK$4,805/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,926/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,662
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,879
−HK$2,249/mo
Today · 4.125%
HK$87,128
baseline
▲ 0.50% · 4.625%
HK$91,721
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,256/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,869 · Scale 2, in force from 26 Feb 2026)