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$41,871
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,323/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$47,204
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,581
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,831
−HK$1,267/mo
Today · 4.125%
HK$49,098
baseline
▲ 0.50% · 4.625%
HK$51,686
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,196/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,245
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,588/mo
Today · 4.125%
HK$53,396
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$3,249/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,792/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,898
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,397
−HK$1,521/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,023
+HK$3,105/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,620
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,443
−HK$1,853/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$66,086
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,214
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,963
−HK$1,774/mo
Today · 4.125%
HK$68,737
baseline
▲ 0.50% · 4.625%
HK$72,360
+HK$3,623/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,474/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,368
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,713
−HK$2,381/mo
Today · 4.125%
HK$80,094
baseline
▲ 0.50% · 4.625%
HK$84,968
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,188/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,846
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,095
−HK$2,281/mo
Today · 4.125%
HK$88,376
baseline
▲ 0.50% · 4.625%
HK$93,035
+HK$4,659/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,752/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,594 · Scale 2, in force from 26 Feb 2026)