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$41,899
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,324/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$47,235
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,862
−HK$1,268/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,842
−HK$1,589/mo
Today · 4.125%
HK$53,431
baseline
▲ 0.50% · 4.625%
HK$56,682
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,862/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,934
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,522/mo
Today · 4.125%
HK$58,956
baseline
▲ 0.50% · 4.625%
HK$62,064
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,912/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,853/mo
Today · 4.125%
HK$62,336
baseline
▲ 0.50% · 4.625%
HK$66,129
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,672/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,256
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,007
−HK$1,775/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,408
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,763
−HK$2,384/mo
Today · 4.125%
HK$80,147
baseline
▲ 0.50% · 4.625%
HK$85,024
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,294/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,901
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,151
−HK$2,283/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,096
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,045 · Scale 2, in force from 26 Feb 2026)