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$41,913
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,325/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$47,252
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,628
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,879
−HK$1,268/mo
Today · 4.125%
HK$49,147
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,294/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,296
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,860
−HK$1,590/mo
Today · 4.125%
HK$53,450
baseline
▲ 0.50% · 4.625%
HK$56,702
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,900/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,954
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,454
−HK$1,523/mo
Today · 4.125%
HK$58,977
baseline
▲ 0.50% · 4.625%
HK$62,085
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,954/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,679
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,504
−HK$1,854/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$66,153
+HK$3,795/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,279
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$1,776/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,433
+HK$3,627/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,444
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,791
−HK$2,384/mo
Today · 4.125%
HK$80,175
baseline
▲ 0.50% · 4.625%
HK$85,053
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,350/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,930
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,181
−HK$2,284/mo
Today · 4.125%
HK$88,465
baseline
▲ 0.50% · 4.625%
HK$93,128
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,930/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,285 · Scale 2, in force from 26 Feb 2026)