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$41,907
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,324/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,621
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,268/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,288
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,853
−HK$1,589/mo
Today · 4.125%
HK$53,442
baseline
▲ 0.50% · 4.625%
HK$56,694
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,884/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,945
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,446
−HK$1,522/mo
Today · 4.125%
HK$58,968
baseline
▲ 0.50% · 4.625%
HK$62,076
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,936/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,670
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,854/mo
Today · 4.125%
HK$62,349
baseline
▲ 0.50% · 4.625%
HK$66,143
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,698/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,270
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$1,776/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,422
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,433
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,779
−HK$2,384/mo
Today · 4.125%
HK$80,163
baseline
▲ 0.50% · 4.625%
HK$85,041
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,326/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,918
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,169
−HK$2,283/mo
Today · 4.125%
HK$88,452
baseline
▲ 0.50% · 4.625%
HK$93,114
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,904/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,184 · Scale 2, in force from 26 Feb 2026)