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$41,929
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,233
−HK$1,326/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,711/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,269/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,315
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,880
−HK$1,590/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,724
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,940/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,975
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,476
−HK$1,523/mo
Today · 4.125%
HK$58,999
baseline
▲ 0.50% · 4.625%
HK$62,109
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$117,998/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,701
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,527
−HK$1,855/mo
Today · 4.125%
HK$62,382
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,764/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,304
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$1,776/mo
Today · 4.125%
HK$68,832
baseline
▲ 0.50% · 4.625%
HK$72,461
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,664/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,473
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,820
−HK$2,385/mo
Today · 4.125%
HK$80,205
baseline
▲ 0.50% · 4.625%
HK$85,086
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,410/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,962
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,214
−HK$2,285/mo
Today · 4.125%
HK$88,499
baseline
▲ 0.50% · 4.625%
HK$93,164
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,998/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,548 · Scale 2, in force from 26 Feb 2026)