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$41,849
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,322/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,267/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$51,659
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,219
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,781
−HK$1,587/mo
Today · 4.125%
HK$53,368
baseline
▲ 0.50% · 4.625%
HK$56,615
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,736/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,868
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,366
−HK$1,520/mo
Today · 4.125%
HK$58,886
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,772/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,589
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,411
−HK$1,852/mo
Today · 4.125%
HK$62,263
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,788/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,526/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$1,774/mo
Today · 4.125%
HK$68,701
baseline
▲ 0.50% · 4.625%
HK$72,322
+HK$3,621/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,402/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,328
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,381/mo
Today · 4.125%
HK$80,052
baseline
▲ 0.50% · 4.625%
HK$84,923
+HK$4,871/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,104/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,802
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,049
−HK$2,280/mo
Today · 4.125%
HK$88,329
baseline
▲ 0.50% · 4.625%
HK$92,985
+HK$4,656/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,658/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,229 · Scale 2, in force from 26 Feb 2026)