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$41,934
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,325/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,712/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,269/mo
Today · 4.125%
HK$49,171
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,342/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,320
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,590/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,730
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,981
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,482
−HK$1,523/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,533
−HK$1,855/mo
Today · 4.125%
HK$62,388
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,776/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,311
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,063
−HK$1,777/mo
Today · 4.125%
HK$68,840
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,680/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,480
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,828
−HK$2,386/mo
Today · 4.125%
HK$80,214
baseline
▲ 0.50% · 4.625%
HK$85,095
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,428/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,971
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,223
−HK$2,285/mo
Today · 4.125%
HK$88,508
baseline
▲ 0.50% · 4.625%
HK$93,173
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,016/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,620 · Scale 2, in force from 26 Feb 2026)