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$41,990
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,327/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$47,338
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,271/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$51,832
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,388
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,955
−HK$1,593/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,806
+HK$3,258/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,559
−HK$1,526/mo
Today · 4.125%
HK$59,085
baseline
▲ 0.50% · 4.625%
HK$62,199
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,170/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,786
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,614
−HK$1,858/mo
Today · 4.125%
HK$62,472
baseline
▲ 0.50% · 4.625%
HK$66,274
+HK$3,802/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,944/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,399
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,153
−HK$1,779/mo
Today · 4.125%
HK$68,932
baseline
▲ 0.50% · 4.625%
HK$72,565
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,864/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,582
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,933
−HK$2,388/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$85,209
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,084
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,288/mo
Today · 4.125%
HK$88,627
baseline
▲ 0.50% · 4.625%
HK$93,298
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,254/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,546 · Scale 2, in force from 26 Feb 2026)