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$41,954
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,326/mo
Today · 4.125%
HK$44,585
baseline
▲ 0.50% · 4.625%
HK$47,297
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,170/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,673
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,925
−HK$1,270/mo
Today · 4.125%
HK$49,195
baseline
▲ 0.50% · 4.625%
HK$51,788
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,390/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,910
−HK$1,591/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,008
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,510
−HK$1,524/mo
Today · 4.125%
HK$59,034
baseline
▲ 0.50% · 4.625%
HK$62,145
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,068/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,735
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,562
−HK$1,856/mo
Today · 4.125%
HK$62,418
baseline
▲ 0.50% · 4.625%
HK$66,216
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,836/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,342
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,095
−HK$1,778/mo
Today · 4.125%
HK$68,873
baseline
▲ 0.50% · 4.625%
HK$72,503
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,746/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,517
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,866
−HK$2,386/mo
Today · 4.125%
HK$80,252
baseline
▲ 0.50% · 4.625%
HK$85,135
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,504/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,012
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,265
−HK$2,285/mo
Today · 4.125%
HK$88,550
baseline
▲ 0.50% · 4.625%
HK$93,218
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,100/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,951 · Scale 2, in force from 26 Feb 2026)