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$41,231
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,303/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,099
−HK$1,248/mo
Today · 4.125%
HK$48,347
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,694/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,477
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,564/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,779
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,043
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,519
−HK$1,498/mo
Today · 4.125%
HK$58,017
baseline
▲ 0.50% · 4.625%
HK$61,075
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,034/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,723
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,519
−HK$1,824/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$65,076
+HK$3,733/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,217
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,939
−HK$1,747/mo
Today · 4.125%
HK$67,686
baseline
▲ 0.50% · 4.625%
HK$71,254
+HK$3,568/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,372/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,216
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,524
−HK$2,346/mo
Today · 4.125%
HK$78,870
baseline
▲ 0.50% · 4.625%
HK$83,669
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,740/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,564
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,779
−HK$2,246/mo
Today · 4.125%
HK$87,025
baseline
▲ 0.50% · 4.625%
HK$91,612
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,050/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,065 · Scale 2, in force from 26 Feb 2026)