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$41,982
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,327/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,714/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,957
−HK$1,271/mo
Today · 4.125%
HK$49,228
baseline
▲ 0.50% · 4.625%
HK$51,823
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,456/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,946
−HK$1,592/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,046
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,525/mo
Today · 4.125%
HK$59,074
baseline
▲ 0.50% · 4.625%
HK$62,187
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,148/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,603
−HK$1,858/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$66,261
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,387
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,140
−HK$1,779/mo
Today · 4.125%
HK$68,919
baseline
▲ 0.50% · 4.625%
HK$72,552
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,838/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,389/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$85,193
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,068
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,323
−HK$2,287/mo
Today · 4.125%
HK$88,610
baseline
▲ 0.50% · 4.625%
HK$93,281
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,220/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,418 · Scale 2, in force from 26 Feb 2026)