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$42,015
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,321
−HK$1,328/mo
Today · 4.125%
HK$44,649
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,298/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,741
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,272/mo
Today · 4.125%
HK$49,266
baseline
▲ 0.50% · 4.625%
HK$51,863
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,532/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,417
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,593/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,089
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,526/mo
Today · 4.125%
HK$59,119
baseline
▲ 0.50% · 4.625%
HK$62,235
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,238/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,650
−HK$1,859/mo
Today · 4.125%
HK$62,509
baseline
▲ 0.50% · 4.625%
HK$66,312
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,018/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,437
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,192
−HK$1,780/mo
Today · 4.125%
HK$68,972
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,944/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,626
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,979
−HK$2,390/mo
Today · 4.125%
HK$80,369
baseline
▲ 0.50% · 4.625%
HK$85,259
+HK$4,890/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,738/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,133
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,390
−HK$2,289/mo
Today · 4.125%
HK$88,679
baseline
▲ 0.50% · 4.625%
HK$93,353
+HK$4,674/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,358/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,951 · Scale 2, in force from 26 Feb 2026)