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$41,239
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,522
−HK$1,303/mo
Today · 4.125%
HK$43,825
baseline
▲ 0.50% · 4.625%
HK$46,492
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,650/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,878
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,108
−HK$1,249/mo
Today · 4.125%
HK$48,357
baseline
▲ 0.50% · 4.625%
HK$50,905
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,714/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,026
−HK$1,564/mo
Today · 4.125%
HK$52,590
baseline
▲ 0.50% · 4.625%
HK$55,790
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,180/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,053
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,530
−HK$1,498/mo
Today · 4.125%
HK$58,028
baseline
▲ 0.50% · 4.625%
HK$61,087
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,056/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,734
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,530
−HK$1,825/mo
Today · 4.125%
HK$61,355
baseline
▲ 0.50% · 4.625%
HK$65,088
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,710/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,229
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,952
−HK$1,747/mo
Today · 4.125%
HK$67,699
baseline
▲ 0.50% · 4.625%
HK$71,268
+HK$3,569/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,398/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,230
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,539
−HK$2,346/mo
Today · 4.125%
HK$78,885
baseline
▲ 0.50% · 4.625%
HK$83,685
+HK$4,800/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,770/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,580
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,795
−HK$2,247/mo
Today · 4.125%
HK$87,042
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$4,588/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,084/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,196 · Scale 2, in force from 26 Feb 2026)