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$41,905
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,324/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$47,243
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,619
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,268/mo
Today · 4.125%
HK$49,138
baseline
▲ 0.50% · 4.625%
HK$51,728
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,276/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,286
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,851
−HK$1,589/mo
Today · 4.125%
HK$53,440
baseline
▲ 0.50% · 4.625%
HK$56,692
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,880/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,943
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,522/mo
Today · 4.125%
HK$58,966
baseline
▲ 0.50% · 4.625%
HK$62,074
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,932/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,668
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,492
−HK$1,855/mo
Today · 4.125%
HK$62,347
baseline
▲ 0.50% · 4.625%
HK$66,140
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,694/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,267
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,017
−HK$1,776/mo
Today · 4.125%
HK$68,793
baseline
▲ 0.50% · 4.625%
HK$72,419
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,586/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,430
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,776
−HK$2,384/mo
Today · 4.125%
HK$80,160
baseline
▲ 0.50% · 4.625%
HK$85,037
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,320/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,915
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,165
−HK$2,283/mo
Today · 4.125%
HK$88,448
baseline
▲ 0.50% · 4.625%
HK$93,111
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,896/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,156 · Scale 2, in force from 26 Feb 2026)