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$41,857
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,159
−HK$1,323/mo
Today · 4.125%
HK$44,482
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,964/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,267/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,228
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,791
−HK$1,587/mo
Today · 4.125%
HK$53,378
baseline
▲ 0.50% · 4.625%
HK$56,626
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,756/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,878
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,377
−HK$1,520/mo
Today · 4.125%
HK$58,897
baseline
▲ 0.50% · 4.625%
HK$62,002
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,794/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,600
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,422
−HK$1,852/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,192
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$1,774/mo
Today · 4.125%
HK$68,714
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,428/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,342
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,686
−HK$2,381/mo
Today · 4.125%
HK$80,067
baseline
▲ 0.50% · 4.625%
HK$84,939
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,134/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,818
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,066
−HK$2,280/mo
Today · 4.125%
HK$88,346
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,692/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,359 · Scale 2, in force from 26 Feb 2026)