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$41,895
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,198
−HK$1,324/mo
Today · 4.125%
HK$44,522
baseline
▲ 0.50% · 4.625%
HK$47,231
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,044/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,608
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,858
−HK$1,268/mo
Today · 4.125%
HK$49,126
baseline
▲ 0.50% · 4.625%
HK$51,715
+HK$2,589/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,252/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,274
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,838
−HK$1,588/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,929
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,429
−HK$1,522/mo
Today · 4.125%
HK$58,951
baseline
▲ 0.50% · 4.625%
HK$62,058
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,902/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,653
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,477
−HK$1,854/mo
Today · 4.125%
HK$62,331
baseline
▲ 0.50% · 4.625%
HK$66,123
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,662/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,001
−HK$1,775/mo
Today · 4.125%
HK$68,776
baseline
▲ 0.50% · 4.625%
HK$72,401
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,552/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,411
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,756
−HK$2,383/mo
Today · 4.125%
HK$80,139
baseline
▲ 0.50% · 4.625%
HK$85,016
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,278/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,894
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,144
−HK$2,282/mo
Today · 4.125%
HK$88,426
baseline
▲ 0.50% · 4.625%
HK$93,087
+HK$4,661/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,852/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,982 · Scale 2, in force from 26 Feb 2026)