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$41,920
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,224
−HK$1,325/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$47,259
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,635
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,886
−HK$1,269/mo
Today · 4.125%
HK$49,155
baseline
▲ 0.50% · 4.625%
HK$51,746
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,310/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,304
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,869
−HK$1,589/mo
Today · 4.125%
HK$53,458
baseline
▲ 0.50% · 4.625%
HK$56,711
+HK$3,253/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,916/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,463
−HK$1,523/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,095
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,688
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,855/mo
Today · 4.125%
HK$62,368
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,795/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,736/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$1,776/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$3,627/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,456
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,803
−HK$2,384/mo
Today · 4.125%
HK$80,187
baseline
▲ 0.50% · 4.625%
HK$85,067
+HK$4,880/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,374/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,944
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,195
−HK$2,284/mo
Today · 4.125%
HK$88,479
baseline
▲ 0.50% · 4.625%
HK$93,143
+HK$4,664/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,958/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,394 · Scale 2, in force from 26 Feb 2026)