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$41,882
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,324/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,593
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,268/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$51,699
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,588/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,912
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,521/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,635
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,853/mo
Today · 4.125%
HK$62,312
baseline
▲ 0.50% · 4.625%
HK$66,104
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,624/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,231
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,980
−HK$1,775/mo
Today · 4.125%
HK$68,755
baseline
▲ 0.50% · 4.625%
HK$72,379
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,510/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,388
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,382/mo
Today · 4.125%
HK$80,115
baseline
▲ 0.50% · 4.625%
HK$84,990
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,230/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,868
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,118
−HK$2,281/mo
Today · 4.125%
HK$88,399
baseline
▲ 0.50% · 4.625%
HK$93,059
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,798/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,775 · Scale 2, in force from 26 Feb 2026)