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$41,881
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,324/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,268/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$51,698
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,258
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,821
−HK$1,588/mo
Today · 4.125%
HK$53,409
baseline
▲ 0.50% · 4.625%
HK$56,659
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,818/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,911
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,410
−HK$1,522/mo
Today · 4.125%
HK$58,932
baseline
▲ 0.50% · 4.625%
HK$62,038
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,864/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,634
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,458
−HK$1,853/mo
Today · 4.125%
HK$62,311
baseline
▲ 0.50% · 4.625%
HK$66,102
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,622/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,229
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,979
−HK$1,775/mo
Today · 4.125%
HK$68,754
baseline
▲ 0.50% · 4.625%
HK$72,378
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,508/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,386
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,731
−HK$2,383/mo
Today · 4.125%
HK$80,114
baseline
▲ 0.50% · 4.625%
HK$84,988
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,228/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,866
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,116
−HK$2,281/mo
Today · 4.125%
HK$88,397
baseline
▲ 0.50% · 4.625%
HK$93,057
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,794/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,759 · Scale 2, in force from 26 Feb 2026)