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$41,923
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,325/mo
Today · 4.125%
HK$44,552
baseline
▲ 0.50% · 4.625%
HK$47,263
+HK$2,711/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,104/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,639
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,269/mo
Today · 4.125%
HK$49,159
baseline
▲ 0.50% · 4.625%
HK$51,750
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,318/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,308
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,590/mo
Today · 4.125%
HK$53,462
baseline
▲ 0.50% · 4.625%
HK$56,715
+HK$3,253/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,924/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,967
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,468
−HK$1,522/mo
Today · 4.125%
HK$58,990
baseline
▲ 0.50% · 4.625%
HK$62,100
+HK$3,110/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,980/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,692
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,518
−HK$1,855/mo
Today · 4.125%
HK$62,373
baseline
▲ 0.50% · 4.625%
HK$66,168
+HK$3,795/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,746/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,046
−HK$1,776/mo
Today · 4.125%
HK$68,822
baseline
▲ 0.50% · 4.625%
HK$72,450
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,644/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,461
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,809
−HK$2,384/mo
Today · 4.125%
HK$80,193
baseline
▲ 0.50% · 4.625%
HK$85,073
+HK$4,880/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,386/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,950
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,201
−HK$2,284/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,150
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,445 · Scale 2, in force from 26 Feb 2026)