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$41,974
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,327/mo
Today · 4.125%
HK$44,606
baseline
▲ 0.50% · 4.625%
HK$47,320
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,212/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,948
−HK$1,270/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,368
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,592/mo
Today · 4.125%
HK$53,527
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,054/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,034
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,525/mo
Today · 4.125%
HK$59,062
baseline
▲ 0.50% · 4.625%
HK$62,175
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,124/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,763
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,591
−HK$1,857/mo
Today · 4.125%
HK$62,448
baseline
▲ 0.50% · 4.625%
HK$66,248
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,896/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,373
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,127
−HK$1,778/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$72,537
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,903
−HK$2,387/mo
Today · 4.125%
HK$80,290
baseline
▲ 0.50% · 4.625%
HK$85,176
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,580/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,052
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,306
−HK$2,287/mo
Today · 4.125%
HK$88,593
baseline
▲ 0.50% · 4.625%
HK$93,262
+HK$4,669/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,186/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,280 · Scale 2, in force from 26 Feb 2026)