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$41,909
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,213
−HK$1,324/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$47,247
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,624
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,874
−HK$1,269/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$51,733
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,291
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,855
−HK$1,590/mo
Today · 4.125%
HK$53,445
baseline
▲ 0.50% · 4.625%
HK$56,697
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,890/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,948
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,449
−HK$1,522/mo
Today · 4.125%
HK$58,971
baseline
▲ 0.50% · 4.625%
HK$62,079
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,942/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,673
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,498
−HK$1,854/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$66,146
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,273
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,024
−HK$1,776/mo
Today · 4.125%
HK$68,800
baseline
▲ 0.50% · 4.625%
HK$72,426
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,600/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,437
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,783
−HK$2,384/mo
Today · 4.125%
HK$80,167
baseline
▲ 0.50% · 4.625%
HK$85,045
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,334/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,922
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,173
−HK$2,284/mo
Today · 4.125%
HK$88,457
baseline
▲ 0.50% · 4.625%
HK$93,119
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,914/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,219 · Scale 2, in force from 26 Feb 2026)