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$41,904
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,207
−HK$1,324/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$47,241
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,268/mo
Today · 4.125%
HK$49,136
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,272/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,284
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,849
−HK$1,589/mo
Today · 4.125%
HK$53,438
baseline
▲ 0.50% · 4.625%
HK$56,689
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,876/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,941
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,441
−HK$1,522/mo
Today · 4.125%
HK$58,963
baseline
▲ 0.50% · 4.625%
HK$62,071
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,926/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,490
−HK$1,854/mo
Today · 4.125%
HK$62,344
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,688/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,264
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$1,776/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,427
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,773
−HK$2,384/mo
Today · 4.125%
HK$80,157
baseline
▲ 0.50% · 4.625%
HK$85,034
+HK$4,877/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,314/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,911
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,162
−HK$2,283/mo
Today · 4.125%
HK$88,445
baseline
▲ 0.50% · 4.625%
HK$93,107
+HK$4,662/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,890/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,129 · Scale 2, in force from 26 Feb 2026)