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$41,958
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,326/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$47,302
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,678
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,930
−HK$1,270/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$51,793
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,350
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,916
−HK$1,591/mo
Today · 4.125%
HK$53,507
baseline
▲ 0.50% · 4.625%
HK$56,763
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,014/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,014
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,516
−HK$1,524/mo
Today · 4.125%
HK$59,040
baseline
▲ 0.50% · 4.625%
HK$62,152
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,080/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,741
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,569
−HK$1,856/mo
Today · 4.125%
HK$62,425
baseline
▲ 0.50% · 4.625%
HK$66,223
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,850/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,349
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,102
−HK$1,778/mo
Today · 4.125%
HK$68,880
baseline
▲ 0.50% · 4.625%
HK$72,511
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,760/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,525
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,387/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,286/mo
Today · 4.125%
HK$88,560
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,120/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,024 · Scale 2, in force from 26 Feb 2026)