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$41,938
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,325/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,655
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,270/mo
Today · 4.125%
HK$49,176
baseline
▲ 0.50% · 4.625%
HK$51,768
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,352/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,325
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,591/mo
Today · 4.125%
HK$53,481
baseline
▲ 0.50% · 4.625%
HK$56,735
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,962/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,986
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,523/mo
Today · 4.125%
HK$59,011
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,022/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,713
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,539
−HK$1,855/mo
Today · 4.125%
HK$62,394
baseline
▲ 0.50% · 4.625%
HK$66,191
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,788/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,317
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,069
−HK$1,777/mo
Today · 4.125%
HK$68,846
baseline
▲ 0.50% · 4.625%
HK$72,475
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,692/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,488
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,385/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,882/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,979
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,232
−HK$2,284/mo
Today · 4.125%
HK$88,516
baseline
▲ 0.50% · 4.625%
HK$93,182
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,032/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,686 · Scale 2, in force from 26 Feb 2026)