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$41,901
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,324/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$47,238
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,614
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,269/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$51,722
+HK$2,589/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,281
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,589/mo
Today · 4.125%
HK$53,434
baseline
▲ 0.50% · 4.625%
HK$56,685
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,868/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,937
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,437
−HK$1,522/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,067
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,661
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,854/mo
Today · 4.125%
HK$62,340
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,680/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,260
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,010
−HK$1,776/mo
Today · 4.125%
HK$68,786
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,572/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,421
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,767
−HK$2,384/mo
Today · 4.125%
HK$80,151
baseline
▲ 0.50% · 4.625%
HK$85,028
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,302/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,906
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,156
−HK$2,283/mo
Today · 4.125%
HK$88,439
baseline
▲ 0.50% · 4.625%
HK$93,100
+HK$4,661/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,878/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,081 · Scale 2, in force from 26 Feb 2026)