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$41,297
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,306/mo
Today · 4.125%
HK$43,887
baseline
▲ 0.50% · 4.625%
HK$46,557
+HK$2,670/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,774/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,942
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,175
−HK$1,250/mo
Today · 4.125%
HK$48,425
baseline
▲ 0.50% · 4.625%
HK$50,977
+HK$2,552/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,850/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,556
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,098
−HK$1,566/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,868
+HK$3,204/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,131
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,609
−HK$1,500/mo
Today · 4.125%
HK$58,109
baseline
▲ 0.50% · 4.625%
HK$61,172
+HK$3,063/mo
Deposit HK$7.24M · loan HK$10.87M · min. income ≈ HK$116,218/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,816
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,614
−HK$1,827/mo
Today · 4.125%
HK$61,441
baseline
▲ 0.50% · 4.625%
HK$65,180
+HK$3,739/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$122,882/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,319
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,044
−HK$1,750/mo
Today · 4.125%
HK$67,794
baseline
▲ 0.50% · 4.625%
HK$71,368
+HK$3,574/mo
Deposit HK$5.43M · loan HK$12.68M · min. income ≈ HK$135,588/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,334
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,647
−HK$2,349/mo
Today · 4.125%
HK$78,996
baseline
▲ 0.50% · 4.625%
HK$83,803
+HK$4,807/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$157,992/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,696
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,914
−HK$2,250/mo
Today · 4.125%
HK$87,164
baseline
▲ 0.50% · 4.625%
HK$91,759
+HK$4,595/mo
Deposit HK$1.81M · loan HK$16.30M · min. income ≈ HK$174,328/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,150 · Scale 2, in force from 26 Feb 2026)