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$41,991
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,328/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$47,340
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,715
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,968
−HK$1,271/mo
Today · 4.125%
HK$49,239
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,478/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,592/mo
Today · 4.125%
HK$53,549
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,098/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,058
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,526/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,788
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,616
−HK$1,858/mo
Today · 4.125%
HK$62,474
baseline
▲ 0.50% · 4.625%
HK$66,276
+HK$3,802/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,948/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,401
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$1,779/mo
Today · 4.125%
HK$68,934
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$3,634/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,868/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,584
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,935
−HK$2,389/mo
Today · 4.125%
HK$80,324
baseline
▲ 0.50% · 4.625%
HK$85,212
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,648/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,087
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,342
−HK$2,288/mo
Today · 4.125%
HK$88,630
baseline
▲ 0.50% · 4.625%
HK$93,302
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,260/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,570 · Scale 2, in force from 26 Feb 2026)