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$41,894
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,324/mo
Today · 4.125%
HK$44,521
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,042/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,606
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,268/mo
Today · 4.125%
HK$49,124
baseline
▲ 0.50% · 4.625%
HK$51,714
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,248/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,272
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,836
−HK$1,589/mo
Today · 4.125%
HK$53,425
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,850/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,927
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,427
−HK$1,522/mo
Today · 4.125%
HK$58,949
baseline
▲ 0.50% · 4.625%
HK$62,056
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,898/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,651
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,475
−HK$1,854/mo
Today · 4.125%
HK$62,329
baseline
▲ 0.50% · 4.625%
HK$66,122
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,658/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$1,775/mo
Today · 4.125%
HK$68,774
baseline
▲ 0.50% · 4.625%
HK$72,399
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,548/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,408
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,383/mo
Today · 4.125%
HK$80,137
baseline
▲ 0.50% · 4.625%
HK$85,013
+HK$4,876/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$160,274/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,891
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,141
−HK$2,283/mo
Today · 4.125%
HK$88,424
baseline
▲ 0.50% · 4.625%
HK$93,084
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.54M · min. income ≈ HK$176,848/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,962 · Scale 2, in force from 26 Feb 2026)