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$41,910
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,324/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$47,248
+HK$2,710/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,624
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,268/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,292
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,856
−HK$1,590/mo
Today · 4.125%
HK$53,446
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,892/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,949
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,450
−HK$1,522/mo
Today · 4.125%
HK$58,972
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,944/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,674
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,854/mo
Today · 4.125%
HK$62,353
baseline
▲ 0.50% · 4.625%
HK$66,147
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$124,706/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,274
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$1,776/mo
Today · 4.125%
HK$68,801
baseline
▲ 0.50% · 4.625%
HK$72,427
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.87M · min. income ≈ HK$137,602/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,438
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,784
−HK$2,384/mo
Today · 4.125%
HK$80,168
baseline
▲ 0.50% · 4.625%
HK$85,047
+HK$4,879/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,336/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,924
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,175
−HK$2,283/mo
Today · 4.125%
HK$88,458
baseline
▲ 0.50% · 4.625%
HK$93,121
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,916/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,231 · Scale 2, in force from 26 Feb 2026)