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$41,855
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,323/mo
Today · 4.125%
HK$44,480
baseline
▲ 0.50% · 4.625%
HK$47,186
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,960/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,563
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,267/mo
Today · 4.125%
HK$49,079
baseline
▲ 0.50% · 4.625%
HK$51,666
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,158/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,226
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,788
−HK$1,588/mo
Today · 4.125%
HK$53,376
baseline
▲ 0.50% · 4.625%
HK$56,623
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,752/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,876
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,374
−HK$1,521/mo
Today · 4.125%
HK$58,895
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,790/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,597
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,420
−HK$1,851/mo
Today · 4.125%
HK$62,271
baseline
▲ 0.50% · 4.625%
HK$66,061
+HK$3,790/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,542/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,188
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,937
−HK$1,773/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,332
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,339
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,682
−HK$2,381/mo
Today · 4.125%
HK$80,063
baseline
▲ 0.50% · 4.625%
HK$84,935
+HK$4,872/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,126/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,814
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,062
−HK$2,280/mo
Today · 4.125%
HK$88,342
baseline
▲ 0.50% · 4.625%
HK$92,999
+HK$4,657/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,684/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,327 · Scale 2, in force from 26 Feb 2026)