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$41,989
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,327/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,965
−HK$1,271/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,386
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,954
−HK$1,592/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,804
+HK$3,258/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,054
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,525/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,784
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,612
−HK$1,858/mo
Today · 4.125%
HK$62,470
baseline
▲ 0.50% · 4.625%
HK$66,271
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,940/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,397
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,150
−HK$1,780/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$72,563
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,579
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,930
−HK$2,389/mo
Today · 4.125%
HK$80,319
baseline
▲ 0.50% · 4.625%
HK$85,206
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,638/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,081
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,336
−HK$2,288/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$93,295
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,524 · Scale 2, in force from 26 Feb 2026)