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$41,983
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,289
−HK$1,327/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$47,331
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,706
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,271/mo
Today · 4.125%
HK$49,230
baseline
▲ 0.50% · 4.625%
HK$51,825
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,460/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,947
−HK$1,592/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$3,258/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,047
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,551
−HK$1,524/mo
Today · 4.125%
HK$59,075
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,114/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,150/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,777
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,858/mo
Today · 4.125%
HK$62,463
baseline
▲ 0.50% · 4.625%
HK$66,263
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,926/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,142
−HK$1,779/mo
Today · 4.125%
HK$68,921
baseline
▲ 0.50% · 4.625%
HK$72,554
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,842/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,570
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,921
−HK$2,388/mo
Today · 4.125%
HK$80,309
baseline
▲ 0.50% · 4.625%
HK$85,196
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,618/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,071
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,326
−HK$2,287/mo
Today · 4.125%
HK$88,613
baseline
▲ 0.50% · 4.625%
HK$93,284
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,226/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,440 · Scale 2, in force from 26 Feb 2026)