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$41,912
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,215
−HK$1,325/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$47,250
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,877
−HK$1,268/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$51,736
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,294
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,858
−HK$1,590/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,700
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,952
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,452
−HK$1,522/mo
Today · 4.125%
HK$58,974
baseline
▲ 0.50% · 4.625%
HK$62,083
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,948/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,676
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,501
−HK$1,855/mo
Today · 4.125%
HK$62,356
baseline
▲ 0.50% · 4.625%
HK$66,150
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,712/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,277
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,027
−HK$1,776/mo
Today · 4.125%
HK$68,803
baseline
▲ 0.50% · 4.625%
HK$72,430
+HK$3,627/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,606/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,441
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,788
−HK$2,384/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$85,050
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,927
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,178
−HK$2,284/mo
Today · 4.125%
HK$88,462
baseline
▲ 0.50% · 4.625%
HK$93,125
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,924/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,259 · Scale 2, in force from 26 Feb 2026)