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$38,904
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,230/mo
Today · 4.125%
HK$41,344
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,688/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,441
−HK$1,178/mo
Today · 4.125%
HK$45,619
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,238/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,685
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,476/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,631
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,937
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,330
−HK$1,413/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$57,628
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,466
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,721/mo
Today · 4.125%
HK$57,881
baseline
▲ 0.50% · 4.625%
HK$61,403
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,762/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,593
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,218
−HK$1,648/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,233
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,028
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,206
−HK$2,213/mo
Today · 4.125%
HK$74,419
baseline
▲ 0.50% · 4.625%
HK$78,947
+HK$4,528/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,838/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,905
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,994
−HK$2,120/mo
Today · 4.125%
HK$82,114
baseline
▲ 0.50% · 4.625%
HK$86,442
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,228/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,800 · Scale 2, in force from 26 Feb 2026)