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$41,862
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,323/mo
Today · 4.125%
HK$44,487
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,974/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,571
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,820
−HK$1,267/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,235
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,797
−HK$1,588/mo
Today · 4.125%
HK$53,385
baseline
▲ 0.50% · 4.625%
HK$56,633
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.02M · min. income ≈ HK$106,770/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,886
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,521/mo
Today · 4.125%
HK$58,905
baseline
▲ 0.50% · 4.625%
HK$62,010
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.02M · min. income ≈ HK$117,810/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,607
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,430
−HK$1,852/mo
Today · 4.125%
HK$62,282
baseline
▲ 0.50% · 4.625%
HK$66,072
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,564/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,200
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,949
−HK$1,773/mo
Today · 4.125%
HK$68,722
baseline
▲ 0.50% · 4.625%
HK$72,345
+HK$3,623/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,444/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,352
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,696
−HK$2,381/mo
Today · 4.125%
HK$80,077
baseline
▲ 0.50% · 4.625%
HK$84,950
+HK$4,873/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,154/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,828
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,077
−HK$2,280/mo
Today · 4.125%
HK$88,357
baseline
▲ 0.50% · 4.625%
HK$93,015
+HK$4,658/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,714/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,448 · Scale 2, in force from 26 Feb 2026)