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$42,003
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,309
−HK$1,328/mo
Today · 4.125%
HK$44,637
baseline
▲ 0.50% · 4.625%
HK$47,353
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,274/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,728
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,271/mo
Today · 4.125%
HK$49,252
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,504/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,593/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,526/mo
Today · 4.125%
HK$59,103
baseline
▲ 0.50% · 4.625%
HK$62,218
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,206/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,804
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,633
−HK$1,858/mo
Today · 4.125%
HK$62,491
baseline
▲ 0.50% · 4.625%
HK$66,294
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,982/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,419
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$1,780/mo
Today · 4.125%
HK$68,953
baseline
▲ 0.50% · 4.625%
HK$72,588
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,906/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,605
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,957
−HK$2,389/mo
Today · 4.125%
HK$80,346
baseline
▲ 0.50% · 4.625%
HK$85,235
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,692/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,110
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,365
−HK$2,289/mo
Today · 4.125%
HK$88,654
baseline
▲ 0.50% · 4.625%
HK$93,327
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,308/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,757 · Scale 2, in force from 26 Feb 2026)