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$41,872
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,323/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$47,205
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,582
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,831
−HK$1,268/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,246
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,809
−HK$1,588/mo
Today · 4.125%
HK$53,397
baseline
▲ 0.50% · 4.625%
HK$56,646
+HK$3,249/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,794/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,898
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,397
−HK$1,521/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,024
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,620
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,444
−HK$1,852/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$66,087
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,215
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,964
−HK$1,774/mo
Today · 4.125%
HK$68,738
baseline
▲ 0.50% · 4.625%
HK$72,361
+HK$3,623/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,476/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,369
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,713
−HK$2,382/mo
Today · 4.125%
HK$80,095
baseline
▲ 0.50% · 4.625%
HK$84,969
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,190/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,847
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,096
−HK$2,281/mo
Today · 4.125%
HK$88,377
baseline
▲ 0.50% · 4.625%
HK$93,036
+HK$4,659/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,754/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,602 · Scale 2, in force from 26 Feb 2026)