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$41,981
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,327/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$47,328
+HK$2,714/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,703
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,956
−HK$1,271/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$51,821
+HK$2,594/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,377
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,944
−HK$1,592/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,794
+HK$3,258/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,044
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,547
−HK$1,525/mo
Today · 4.125%
HK$59,072
baseline
▲ 0.50% · 4.625%
HK$62,186
+HK$3,114/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,144/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,773
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,602
−HK$1,857/mo
Today · 4.125%
HK$62,459
baseline
▲ 0.50% · 4.625%
HK$66,259
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,918/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,138
−HK$1,779/mo
Today · 4.125%
HK$68,917
baseline
▲ 0.50% · 4.625%
HK$72,550
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,834/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,566
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,916
−HK$2,388/mo
Today · 4.125%
HK$80,304
baseline
▲ 0.50% · 4.625%
HK$85,191
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,608/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,066
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,321
−HK$2,287/mo
Today · 4.125%
HK$88,608
baseline
▲ 0.50% · 4.625%
HK$93,279
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,216/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,399 · Scale 2, in force from 26 Feb 2026)