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$41,946
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,325/mo
Today · 4.125%
HK$44,576
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,152/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,269/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$51,778
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,901
−HK$1,590/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,746
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,997
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,523/mo
Today · 4.125%
HK$59,022
baseline
▲ 0.50% · 4.625%
HK$62,134
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,044/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,551
−HK$1,856/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$1,778/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$72,489
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,502
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,851
−HK$2,386/mo
Today · 4.125%
HK$80,237
baseline
▲ 0.50% · 4.625%
HK$85,119
+HK$4,882/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,474/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,996
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,248
−HK$2,286/mo
Today · 4.125%
HK$88,534
baseline
▲ 0.50% · 4.625%
HK$93,200
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,068/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,821 · Scale 2, in force from 26 Feb 2026)