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$41,932
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,325/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$47,273
+HK$2,712/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,900
−HK$1,269/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,318
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,883
−HK$1,590/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,727
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,978
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,523/mo
Today · 4.125%
HK$59,003
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,006/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,704
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,530
−HK$1,856/mo
Today · 4.125%
HK$62,386
baseline
▲ 0.50% · 4.625%
HK$66,182
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,772/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,308
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,060
−HK$1,776/mo
Today · 4.125%
HK$68,836
baseline
▲ 0.50% · 4.625%
HK$72,465
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,672/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,477
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,825
−HK$2,385/mo
Today · 4.125%
HK$80,210
baseline
▲ 0.50% · 4.625%
HK$85,091
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,420/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,967
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,219
−HK$2,285/mo
Today · 4.125%
HK$88,504
baseline
▲ 0.50% · 4.625%
HK$93,169
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,008/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,589 · Scale 2, in force from 26 Feb 2026)