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$41,930
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,325/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$47,271
+HK$2,711/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,647
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,269/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$51,759
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,591/mo
Today · 4.125%
HK$53,472
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$3,253/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,944/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,976
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,523/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,111
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,702
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,856/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$66,179
+HK$3,795/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,306
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,057
−HK$1,777/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$72,462
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,475
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,822
−HK$2,385/mo
Today · 4.125%
HK$80,207
baseline
▲ 0.50% · 4.625%
HK$85,088
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,414/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,965
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,217
−HK$2,284/mo
Today · 4.125%
HK$88,501
baseline
▲ 0.50% · 4.625%
HK$93,166
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,002/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,566 · Scale 2, in force from 26 Feb 2026)