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$41,932
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,237
−HK$1,325/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$47,274
+HK$2,712/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,901
−HK$1,269/mo
Today · 4.125%
HK$49,170
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,340/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,590/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,481
−HK$1,523/mo
Today · 4.125%
HK$59,004
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,008/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,705
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,532
−HK$1,855/mo
Today · 4.125%
HK$62,387
baseline
▲ 0.50% · 4.625%
HK$66,183
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,774/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,061
−HK$1,777/mo
Today · 4.125%
HK$68,838
baseline
▲ 0.50% · 4.625%
HK$72,466
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,676/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,478
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,826
−HK$2,386/mo
Today · 4.125%
HK$80,212
baseline
▲ 0.50% · 4.625%
HK$85,092
+HK$4,880/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,424/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,969
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,221
−HK$2,285/mo
Today · 4.125%
HK$88,506
baseline
▲ 0.50% · 4.625%
HK$93,171
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,012/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,602 · Scale 2, in force from 26 Feb 2026)