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$41,885
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,324/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,597
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,268/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,589/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,588/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,665
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,416
−HK$1,522/mo
Today · 4.125%
HK$58,938
baseline
▲ 0.50% · 4.625%
HK$62,044
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,876/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,640
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,464
−HK$1,853/mo
Today · 4.125%
HK$62,317
baseline
▲ 0.50% · 4.625%
HK$66,109
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,634/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,236
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,986
−HK$1,774/mo
Today · 4.125%
HK$68,760
baseline
▲ 0.50% · 4.625%
HK$72,385
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,520/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,394
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,739
−HK$2,383/mo
Today · 4.125%
HK$80,122
baseline
▲ 0.50% · 4.625%
HK$84,997
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,244/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,875
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,124
−HK$2,282/mo
Today · 4.125%
HK$88,406
baseline
▲ 0.50% · 4.625%
HK$93,066
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,812/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,828 · Scale 2, in force from 26 Feb 2026)