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$41,947
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,325/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$47,290
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,270/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,591/mo
Today · 4.125%
HK$53,493
baseline
▲ 0.50% · 4.625%
HK$56,748
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,986/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,501
−HK$1,523/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,726
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,552
−HK$1,856/mo
Today · 4.125%
HK$62,408
baseline
▲ 0.50% · 4.625%
HK$66,206
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,816/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,332
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,084
−HK$1,777/mo
Today · 4.125%
HK$68,861
baseline
▲ 0.50% · 4.625%
HK$72,491
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,722/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,505
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,386/mo
Today · 4.125%
HK$80,239
baseline
▲ 0.50% · 4.625%
HK$85,122
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,478/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,998
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,285/mo
Today · 4.125%
HK$88,536
baseline
▲ 0.50% · 4.625%
HK$93,203
+HK$4,667/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,072/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,840 · Scale 2, in force from 26 Feb 2026)