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$41,960
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,326/mo
Today · 4.125%
HK$44,591
baseline
▲ 0.50% · 4.625%
HK$47,305
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,182/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,270/mo
Today · 4.125%
HK$49,202
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,404/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,592/mo
Today · 4.125%
HK$53,510
baseline
▲ 0.50% · 4.625%
HK$56,766
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,020/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,016
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,519
−HK$1,524/mo
Today · 4.125%
HK$59,043
baseline
▲ 0.50% · 4.625%
HK$62,155
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,086/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,744
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,572
−HK$1,856/mo
Today · 4.125%
HK$62,428
baseline
▲ 0.50% · 4.625%
HK$66,227
+HK$3,799/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,856/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,352
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,105
−HK$1,778/mo
Today · 4.125%
HK$68,883
baseline
▲ 0.50% · 4.625%
HK$72,514
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,766/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,528
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,387/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$85,148
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,024
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,278
−HK$2,286/mo
Today · 4.125%
HK$88,564
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,128/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,057 · Scale 2, in force from 26 Feb 2026)