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$41,943
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,248
−HK$1,326/mo
Today · 4.125%
HK$44,574
baseline
▲ 0.50% · 4.625%
HK$47,286
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,148/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,662
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,913
−HK$1,270/mo
Today · 4.125%
HK$49,183
baseline
▲ 0.50% · 4.625%
HK$51,775
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,366/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,332
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,590/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,743
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,523/mo
Today · 4.125%
HK$59,019
baseline
▲ 0.50% · 4.625%
HK$62,130
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,038/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,721
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,856/mo
Today · 4.125%
HK$62,403
baseline
▲ 0.50% · 4.625%
HK$66,200
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,806/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,326
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$1,778/mo
Today · 4.125%
HK$68,856
baseline
▲ 0.50% · 4.625%
HK$72,485
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,712/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,847
−HK$2,386/mo
Today · 4.125%
HK$80,233
baseline
▲ 0.50% · 4.625%
HK$85,115
+HK$4,882/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,466/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,991
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,244
−HK$2,285/mo
Today · 4.125%
HK$88,529
baseline
▲ 0.50% · 4.625%
HK$93,195
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,058/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,782 · Scale 2, in force from 26 Feb 2026)