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$41,916
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,325/mo
Today · 4.125%
HK$44,545
baseline
▲ 0.50% · 4.625%
HK$47,255
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,090/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,882
−HK$1,269/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$51,741
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,299
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,864
−HK$1,590/mo
Today · 4.125%
HK$53,454
baseline
▲ 0.50% · 4.625%
HK$56,706
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,908/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,958
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,458
−HK$1,523/mo
Today · 4.125%
HK$58,981
baseline
▲ 0.50% · 4.625%
HK$62,090
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,962/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,508
−HK$1,855/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$66,157
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,035
−HK$1,776/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,438
+HK$3,627/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,449
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,796
−HK$2,384/mo
Today · 4.125%
HK$80,180
baseline
▲ 0.50% · 4.625%
HK$85,059
+HK$4,879/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,360/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,936
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,188
−HK$2,283/mo
Today · 4.125%
HK$88,471
baseline
▲ 0.50% · 4.625%
HK$93,135
+HK$4,664/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,942/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,334 · Scale 2, in force from 26 Feb 2026)