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$41,853
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,155
−HK$1,323/mo
Today · 4.125%
HK$44,478
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,956/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,561
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,810
−HK$1,267/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,224
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,786
−HK$1,587/mo
Today · 4.125%
HK$53,373
baseline
▲ 0.50% · 4.625%
HK$56,621
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,746/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,874
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,372
−HK$1,520/mo
Today · 4.125%
HK$58,892
baseline
▲ 0.50% · 4.625%
HK$61,997
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,784/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,595
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,417
−HK$1,852/mo
Today · 4.125%
HK$62,269
baseline
▲ 0.50% · 4.625%
HK$66,058
+HK$3,789/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,538/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,186
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,934
−HK$1,774/mo
Today · 4.125%
HK$68,708
baseline
▲ 0.50% · 4.625%
HK$72,329
+HK$3,621/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,416/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,336
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,679
−HK$2,381/mo
Today · 4.125%
HK$80,060
baseline
▲ 0.50% · 4.625%
HK$84,932
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,120/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,280/mo
Today · 4.125%
HK$88,338
baseline
▲ 0.50% · 4.625%
HK$92,995
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,676/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,299 · Scale 2, in force from 26 Feb 2026)