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$41,846
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,322/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,266/mo
Today · 4.125%
HK$49,068
baseline
▲ 0.50% · 4.625%
HK$51,655
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,136/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,215
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,587/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,611
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,864
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,362
−HK$1,520/mo
Today · 4.125%
HK$58,882
baseline
▲ 0.50% · 4.625%
HK$61,986
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,764/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,584
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,851/mo
Today · 4.125%
HK$62,258
baseline
▲ 0.50% · 4.625%
HK$66,046
+HK$3,788/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,516/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,174
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$1,774/mo
Today · 4.125%
HK$68,696
baseline
▲ 0.50% · 4.625%
HK$72,317
+HK$3,621/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,392/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,323
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,666
−HK$2,380/mo
Today · 4.125%
HK$80,046
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,871/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,092/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,796
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,043
−HK$2,280/mo
Today · 4.125%
HK$88,323
baseline
▲ 0.50% · 4.625%
HK$92,978
+HK$4,655/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,646/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,178 · Scale 2, in force from 26 Feb 2026)