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$41,952
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,326/mo
Today · 4.125%
HK$44,583
baseline
▲ 0.50% · 4.625%
HK$47,295
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,166/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,671
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,270/mo
Today · 4.125%
HK$49,193
baseline
▲ 0.50% · 4.625%
HK$51,786
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,386/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,342
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,591/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,005
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,524/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,733
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,856/mo
Today · 4.125%
HK$62,416
baseline
▲ 0.50% · 4.625%
HK$66,214
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,832/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$1,778/mo
Today · 4.125%
HK$68,870
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,740/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,514
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,387/mo
Today · 4.125%
HK$80,249
baseline
▲ 0.50% · 4.625%
HK$85,132
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,498/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,008
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,261
−HK$2,286/mo
Today · 4.125%
HK$88,547
baseline
▲ 0.50% · 4.625%
HK$93,214
+HK$4,667/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,094/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,922 · Scale 2, in force from 26 Feb 2026)