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$41,873
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,324/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,583
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,268/mo
Today · 4.125%
HK$49,100
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,200/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,247
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,810
−HK$1,588/mo
Today · 4.125%
HK$53,398
baseline
▲ 0.50% · 4.625%
HK$56,647
+HK$3,249/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,796/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,900
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,521/mo
Today · 4.125%
HK$58,920
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,105/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,840/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,622
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,445
−HK$1,853/mo
Today · 4.125%
HK$62,298
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,596/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,216
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,965
−HK$1,775/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$3,623/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,715
−HK$2,382/mo
Today · 4.125%
HK$80,097
baseline
▲ 0.50% · 4.625%
HK$84,971
+HK$4,874/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,194/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,849
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,098
−HK$2,282/mo
Today · 4.125%
HK$88,380
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$4,658/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,760/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,620 · Scale 2, in force from 26 Feb 2026)