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$41,941
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,326/mo
Today · 4.125%
HK$44,571
baseline
▲ 0.50% · 4.625%
HK$47,283
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,142/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,659
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,270/mo
Today · 4.125%
HK$49,180
baseline
▲ 0.50% · 4.625%
HK$51,772
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,360/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,329
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,591/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,739
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,990
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,523/mo
Today · 4.125%
HK$59,015
baseline
▲ 0.50% · 4.625%
HK$62,126
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,030/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,717
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,544
−HK$1,855/mo
Today · 4.125%
HK$62,399
baseline
▲ 0.50% · 4.625%
HK$66,196
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,798/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,322
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,074
−HK$1,777/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$72,481
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,493
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,842
−HK$2,386/mo
Today · 4.125%
HK$80,228
baseline
▲ 0.50% · 4.625%
HK$85,109
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,456/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,986
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,238
−HK$2,285/mo
Today · 4.125%
HK$88,523
baseline
▲ 0.50% · 4.625%
HK$93,189
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,046/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,738 · Scale 2, in force from 26 Feb 2026)