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$41,876
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,323/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,268/mo
Today · 4.125%
HK$49,104
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,208/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,251
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,814
−HK$1,589/mo
Today · 4.125%
HK$53,403
baseline
▲ 0.50% · 4.625%
HK$56,652
+HK$3,249/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,806/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,904
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,403
−HK$1,521/mo
Today · 4.125%
HK$58,924
baseline
▲ 0.50% · 4.625%
HK$62,030
+HK$3,106/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,848/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,627
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,853/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,221
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,774/mo
Today · 4.125%
HK$68,745
baseline
▲ 0.50% · 4.625%
HK$72,369
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,490/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,377
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,722
−HK$2,382/mo
Today · 4.125%
HK$80,104
baseline
▲ 0.50% · 4.625%
HK$84,978
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,208/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,856
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,105
−HK$2,282/mo
Today · 4.125%
HK$88,387
baseline
▲ 0.50% · 4.625%
HK$93,046
+HK$4,659/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,774/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,675 · Scale 2, in force from 26 Feb 2026)