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$41,910
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,325/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$47,249
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,625
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,269/mo
Today · 4.125%
HK$49,144
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,288/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,293
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,589/mo
Today · 4.125%
HK$53,446
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,892/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,522/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,675
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,500
−HK$1,854/mo
Today · 4.125%
HK$62,354
baseline
▲ 0.50% · 4.625%
HK$66,148
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,708/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,275
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,026
−HK$1,776/mo
Today · 4.125%
HK$68,802
baseline
▲ 0.50% · 4.625%
HK$72,428
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,604/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,439
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,785
−HK$2,385/mo
Today · 4.125%
HK$80,170
baseline
▲ 0.50% · 4.625%
HK$85,048
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,340/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,925
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,176
−HK$2,283/mo
Today · 4.125%
HK$88,459
baseline
▲ 0.50% · 4.625%
HK$93,122
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,918/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,240 · Scale 2, in force from 26 Feb 2026)