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$41,908
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,212
−HK$1,324/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,268/mo
Today · 4.125%
HK$49,141
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,282/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,854
−HK$1,590/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,947
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,448
−HK$1,522/mo
Today · 4.125%
HK$58,970
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,940/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,672
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,854/mo
Today · 4.125%
HK$62,351
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,702/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,272
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,022
−HK$1,776/mo
Today · 4.125%
HK$68,798
baseline
▲ 0.50% · 4.625%
HK$72,424
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,596/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,435
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,781
−HK$2,384/mo
Today · 4.125%
HK$80,165
baseline
▲ 0.50% · 4.625%
HK$85,043
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,330/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,921
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,171
−HK$2,284/mo
Today · 4.125%
HK$88,455
baseline
▲ 0.50% · 4.625%
HK$93,117
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,910/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,204 · Scale 2, in force from 26 Feb 2026)