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$41,954
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,326/mo
Today · 4.125%
HK$44,585
baseline
▲ 0.50% · 4.625%
HK$47,298
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,170/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,926
−HK$1,270/mo
Today · 4.125%
HK$49,196
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,392/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,345
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,911
−HK$1,591/mo
Today · 4.125%
HK$53,502
baseline
▲ 0.50% · 4.625%
HK$56,758
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,004/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,009
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,511
−HK$1,524/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,146
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,736
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,563
−HK$1,857/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$66,218
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,344
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,096
−HK$1,778/mo
Today · 4.125%
HK$68,874
baseline
▲ 0.50% · 4.625%
HK$72,504
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,748/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,518
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,867
−HK$2,387/mo
Today · 4.125%
HK$80,254
baseline
▲ 0.50% · 4.625%
HK$85,137
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,508/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,013
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,266
−HK$2,286/mo
Today · 4.125%
HK$88,552
baseline
▲ 0.50% · 4.625%
HK$93,220
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,104/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,964 · Scale 2, in force from 26 Feb 2026)