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$41,875
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,177
−HK$1,324/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,585
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,835
−HK$1,267/mo
Today · 4.125%
HK$49,102
baseline
▲ 0.50% · 4.625%
HK$51,690
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,204/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,250
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,813
−HK$1,588/mo
Today · 4.125%
HK$53,401
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$3,249/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,802/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,902
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,521/mo
Today · 4.125%
HK$58,923
baseline
▲ 0.50% · 4.625%
HK$62,029
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,846/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,625
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,448
−HK$1,853/mo
Today · 4.125%
HK$62,301
baseline
▲ 0.50% · 4.625%
HK$66,092
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,602/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,219
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,969
−HK$1,774/mo
Today · 4.125%
HK$68,743
baseline
▲ 0.50% · 4.625%
HK$72,367
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,486/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,375
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,719
−HK$2,382/mo
Today · 4.125%
HK$80,101
baseline
▲ 0.50% · 4.625%
HK$84,975
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,202/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,854
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,103
−HK$2,281/mo
Today · 4.125%
HK$88,384
baseline
▲ 0.50% · 4.625%
HK$93,043
+HK$4,659/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,768/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,654 · Scale 2, in force from 26 Feb 2026)