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$42,002
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,328/mo
Today · 4.125%
HK$44,636
baseline
▲ 0.50% · 4.625%
HK$47,352
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,272/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,727
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,980
−HK$1,271/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,402
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,970
−HK$1,593/mo
Today · 4.125%
HK$53,563
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,126/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,072
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,576
−HK$1,525/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,217
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,803
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,632
−HK$1,858/mo
Today · 4.125%
HK$62,490
baseline
▲ 0.50% · 4.625%
HK$66,292
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,980/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,417
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,172
−HK$1,780/mo
Today · 4.125%
HK$68,952
baseline
▲ 0.50% · 4.625%
HK$72,586
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,904/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,603
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,955
−HK$2,389/mo
Today · 4.125%
HK$80,344
baseline
▲ 0.50% · 4.625%
HK$85,233
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,688/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,108
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,364
−HK$2,288/mo
Today · 4.125%
HK$88,652
baseline
▲ 0.50% · 4.625%
HK$93,325
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,304/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,743 · Scale 2, in force from 26 Feb 2026)