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$41,850
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,323/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$47,181
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,558
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,807
−HK$1,266/mo
Today · 4.125%
HK$49,073
baseline
▲ 0.50% · 4.625%
HK$51,660
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,146/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,220
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,587/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,870
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,368
−HK$1,520/mo
Today · 4.125%
HK$58,888
baseline
▲ 0.50% · 4.625%
HK$61,992
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,776/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,590
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,413
−HK$1,852/mo
Today · 4.125%
HK$62,265
baseline
▲ 0.50% · 4.625%
HK$66,053
+HK$3,788/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,530/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,181
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,929
−HK$1,774/mo
Today · 4.125%
HK$68,703
baseline
▲ 0.50% · 4.625%
HK$72,324
+HK$3,621/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,406/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,331
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,674
−HK$2,380/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,926
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,805
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,052
−HK$2,280/mo
Today · 4.125%
HK$88,332
baseline
▲ 0.50% · 4.625%
HK$92,988
+HK$4,656/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,664/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,251 · Scale 2, in force from 26 Feb 2026)