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$41,885
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,324/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$47,219
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,596
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,268/mo
Today · 4.125%
HK$49,114
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,228/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,588/mo
Today · 4.125%
HK$53,413
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,826/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,915
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,415
−HK$1,521/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,853/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$66,107
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,235
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,984
−HK$1,775/mo
Today · 4.125%
HK$68,759
baseline
▲ 0.50% · 4.625%
HK$72,383
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,518/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,392
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,737
−HK$2,383/mo
Today · 4.125%
HK$80,120
baseline
▲ 0.50% · 4.625%
HK$84,995
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,240/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,873
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,122
−HK$2,282/mo
Today · 4.125%
HK$88,404
baseline
▲ 0.50% · 4.625%
HK$93,064
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,808/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,813 · Scale 2, in force from 26 Feb 2026)