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$41,887
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,323/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,222
+HK$2,709/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,599
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,268/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,589/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,264
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,828
−HK$1,588/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,666
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,918
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,418
−HK$1,521/mo
Today · 4.125%
HK$58,939
baseline
▲ 0.50% · 4.625%
HK$62,046
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,878/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,854/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$66,111
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,988
−HK$1,775/mo
Today · 4.125%
HK$68,763
baseline
▲ 0.50% · 4.625%
HK$72,387
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,526/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,396
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,741
−HK$2,383/mo
Today · 4.125%
HK$80,124
baseline
▲ 0.50% · 4.625%
HK$84,999
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,248/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,127
−HK$2,282/mo
Today · 4.125%
HK$88,409
baseline
▲ 0.50% · 4.625%
HK$93,069
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,818/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,849 · Scale 2, in force from 26 Feb 2026)