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$41,854
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,323/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$47,185
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,562
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,267/mo
Today · 4.125%
HK$49,078
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,156/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,225
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,588/mo
Today · 4.125%
HK$53,375
baseline
▲ 0.50% · 4.625%
HK$56,622
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,750/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,373
−HK$1,521/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$61,998
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,596
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,851/mo
Today · 4.125%
HK$62,270
baseline
▲ 0.50% · 4.625%
HK$66,059
+HK$3,789/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,540/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,187
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,936
−HK$1,773/mo
Today · 4.125%
HK$68,709
baseline
▲ 0.50% · 4.625%
HK$72,331
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,418/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,338
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,681
−HK$2,381/mo
Today · 4.125%
HK$80,062
baseline
▲ 0.50% · 4.625%
HK$84,933
+HK$4,871/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,124/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,812
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,060
−HK$2,280/mo
Today · 4.125%
HK$88,340
baseline
▲ 0.50% · 4.625%
HK$92,997
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,680/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,315 · Scale 2, in force from 26 Feb 2026)