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$41,908
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,325/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,269/mo
Today · 4.125%
HK$49,141
baseline
▲ 0.50% · 4.625%
HK$51,731
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,282/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,289
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,853
−HK$1,590/mo
Today · 4.125%
HK$53,443
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$3,252/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,886/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,946
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,522/mo
Today · 4.125%
HK$58,969
baseline
▲ 0.50% · 4.625%
HK$62,077
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,938/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,671
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,496
−HK$1,854/mo
Today · 4.125%
HK$62,350
baseline
▲ 0.50% · 4.625%
HK$66,144
+HK$3,794/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,700/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,271
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$1,776/mo
Today · 4.125%
HK$68,797
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$3,626/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,594/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,434
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,780
−HK$2,384/mo
Today · 4.125%
HK$80,164
baseline
▲ 0.50% · 4.625%
HK$85,042
+HK$4,878/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,328/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,919
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,170
−HK$2,283/mo
Today · 4.125%
HK$88,453
baseline
▲ 0.50% · 4.625%
HK$93,116
+HK$4,663/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,906/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,193 · Scale 2, in force from 26 Feb 2026)