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$41,883
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,323/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,267/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$51,700
+HK$2,589/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,823
−HK$1,588/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,521/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,040
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,460
−HK$1,853/mo
Today · 4.125%
HK$62,313
baseline
▲ 0.50% · 4.625%
HK$66,104
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,626/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,232
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,981
−HK$1,775/mo
Today · 4.125%
HK$68,756
baseline
▲ 0.50% · 4.625%
HK$72,380
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,512/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,389
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,734
−HK$2,382/mo
Today · 4.125%
HK$80,116
baseline
▲ 0.50% · 4.625%
HK$84,991
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,232/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,869
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,119
−HK$2,282/mo
Today · 4.125%
HK$88,401
baseline
▲ 0.50% · 4.625%
HK$93,060
+HK$4,659/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,802/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,784 · Scale 2, in force from 26 Feb 2026)