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$41,905
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,208
−HK$1,325/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$47,242
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,619
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,869
−HK$1,268/mo
Today · 4.125%
HK$49,137
baseline
▲ 0.50% · 4.625%
HK$51,727
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,274/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,286
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,850
−HK$1,589/mo
Today · 4.125%
HK$53,439
baseline
▲ 0.50% · 4.625%
HK$56,691
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,878/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,942
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,443
−HK$1,522/mo
Today · 4.125%
HK$58,965
baseline
▲ 0.50% · 4.625%
HK$62,073
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,930/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,667
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,855/mo
Today · 4.125%
HK$62,346
baseline
▲ 0.50% · 4.625%
HK$66,139
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,692/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,266
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,016
−HK$1,776/mo
Today · 4.125%
HK$68,792
baseline
▲ 0.50% · 4.625%
HK$72,418
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,584/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,428
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,384/mo
Today · 4.125%
HK$80,159
baseline
▲ 0.50% · 4.625%
HK$85,036
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,318/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,913
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,283/mo
Today · 4.125%
HK$88,447
baseline
▲ 0.50% · 4.625%
HK$93,109
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,894/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,145 · Scale 2, in force from 26 Feb 2026)