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$41,852
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,154
−HK$1,323/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,809
−HK$1,267/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,785
−HK$1,587/mo
Today · 4.125%
HK$53,372
baseline
▲ 0.50% · 4.625%
HK$56,620
+HK$3,248/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,744/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,873
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,371
−HK$1,520/mo
Today · 4.125%
HK$58,891
baseline
▲ 0.50% · 4.625%
HK$61,995
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,782/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,416
−HK$1,852/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$66,057
+HK$3,789/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,933
−HK$1,773/mo
Today · 4.125%
HK$68,706
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,412/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,334
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,678
−HK$2,381/mo
Today · 4.125%
HK$80,059
baseline
▲ 0.50% · 4.625%
HK$84,930
+HK$4,871/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,118/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,809
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,057
−HK$2,280/mo
Today · 4.125%
HK$88,337
baseline
▲ 0.50% · 4.625%
HK$92,993
+HK$4,656/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,674/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,286 · Scale 2, in force from 26 Feb 2026)