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$41,277
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,561
−HK$1,304/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,535
+HK$2,670/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,920
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,152
−HK$1,249/mo
Today · 4.125%
HK$48,401
baseline
▲ 0.50% · 4.625%
HK$50,953
+HK$2,552/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,802/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,073
−HK$1,566/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,104
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,582
−HK$1,499/mo
Today · 4.125%
HK$58,081
baseline
▲ 0.50% · 4.625%
HK$61,143
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,162/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,788
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,827/mo
Today · 4.125%
HK$61,412
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,824/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,288
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,013
−HK$1,749/mo
Today · 4.125%
HK$67,762
baseline
▲ 0.50% · 4.625%
HK$71,334
+HK$3,572/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,524/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,299
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,348/mo
Today · 4.125%
HK$78,958
baseline
▲ 0.50% · 4.625%
HK$83,762
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,916/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,656
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,873
−HK$2,249/mo
Today · 4.125%
HK$87,122
baseline
▲ 0.50% · 4.625%
HK$91,715
+HK$4,593/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,244/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,823 · Scale 2, in force from 26 Feb 2026)