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$41,858
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,322/mo
Today · 4.125%
HK$44,482
baseline
▲ 0.50% · 4.625%
HK$47,189
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,964/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,566
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,815
−HK$1,267/mo
Today · 4.125%
HK$49,082
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,164/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,229
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,791
−HK$1,588/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,627
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,879
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,378
−HK$1,520/mo
Today · 4.125%
HK$58,898
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,796/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,601
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,852/mo
Today · 4.125%
HK$62,275
baseline
▲ 0.50% · 4.625%
HK$66,065
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,550/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,193
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,941
−HK$1,774/mo
Today · 4.125%
HK$68,715
baseline
▲ 0.50% · 4.625%
HK$72,337
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,430/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,344
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,687
−HK$2,381/mo
Today · 4.125%
HK$80,068
baseline
▲ 0.50% · 4.625%
HK$84,940
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,136/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,819
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,067
−HK$2,280/mo
Today · 4.125%
HK$88,347
baseline
▲ 0.50% · 4.625%
HK$93,004
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,694/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,370 · Scale 2, in force from 26 Feb 2026)