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$41,859
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,322/mo
Today · 4.125%
HK$44,484
baseline
▲ 0.50% · 4.625%
HK$47,191
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,968/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,267/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$51,671
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,231
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,587/mo
Today · 4.125%
HK$53,381
baseline
▲ 0.50% · 4.625%
HK$56,629
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,762/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,520/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,006
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,603
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,426
−HK$1,852/mo
Today · 4.125%
HK$62,278
baseline
▲ 0.50% · 4.625%
HK$66,068
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,556/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,196
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,944
−HK$1,774/mo
Today · 4.125%
HK$68,718
baseline
▲ 0.50% · 4.625%
HK$72,340
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,436/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,691
−HK$2,381/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,944
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,071
−HK$2,281/mo
Today · 4.125%
HK$88,352
baseline
▲ 0.50% · 4.625%
HK$93,009
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,704/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,401 · Scale 2, in force from 26 Feb 2026)