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$41,919
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,325/mo
Today · 4.125%
HK$44,548
baseline
▲ 0.50% · 4.625%
HK$47,259
+HK$2,711/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,096/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,635
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,885
−HK$1,269/mo
Today · 4.125%
HK$49,154
baseline
▲ 0.50% · 4.625%
HK$51,745
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,308/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,868
−HK$1,589/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,710
+HK$3,253/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,462
−HK$1,523/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,512
−HK$1,855/mo
Today · 4.125%
HK$62,367
baseline
▲ 0.50% · 4.625%
HK$66,162
+HK$3,795/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,734/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,040
−HK$1,776/mo
Today · 4.125%
HK$68,816
baseline
▲ 0.50% · 4.625%
HK$72,443
+HK$3,627/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,632/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,455
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,802
−HK$2,384/mo
Today · 4.125%
HK$80,186
baseline
▲ 0.50% · 4.625%
HK$85,065
+HK$4,879/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,372/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,942
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,194
−HK$2,284/mo
Today · 4.125%
HK$88,478
baseline
▲ 0.50% · 4.625%
HK$93,141
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,956/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,383 · Scale 2, in force from 26 Feb 2026)