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$41,956
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,326/mo
Today · 4.125%
HK$44,587
baseline
▲ 0.50% · 4.625%
HK$47,300
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,174/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,675
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,927
−HK$1,270/mo
Today · 4.125%
HK$49,197
baseline
▲ 0.50% · 4.625%
HK$51,790
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,394/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,347
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,913
−HK$1,591/mo
Today · 4.125%
HK$53,504
baseline
▲ 0.50% · 4.625%
HK$56,759
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,008/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,010
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,512
−HK$1,524/mo
Today · 4.125%
HK$59,036
baseline
▲ 0.50% · 4.625%
HK$62,148
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,072/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,738
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,565
−HK$1,856/mo
Today · 4.125%
HK$62,421
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,842/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,345
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,098
−HK$1,778/mo
Today · 4.125%
HK$68,876
baseline
▲ 0.50% · 4.625%
HK$72,506
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,752/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,520
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,869
−HK$2,387/mo
Today · 4.125%
HK$80,256
baseline
▲ 0.50% · 4.625%
HK$85,139
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,512/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,015
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,269
−HK$2,285/mo
Today · 4.125%
HK$88,554
baseline
▲ 0.50% · 4.625%
HK$93,222
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,108/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,982 · Scale 2, in force from 26 Feb 2026)