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$41,976
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,326/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,271/mo
Today · 4.125%
HK$49,221
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,442/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,371
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,592/mo
Today · 4.125%
HK$53,530
baseline
▲ 0.50% · 4.625%
HK$56,787
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,060/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,037
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,540
−HK$1,525/mo
Today · 4.125%
HK$59,065
baseline
▲ 0.50% · 4.625%
HK$62,178
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,130/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,766
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,857/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,902/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,377
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,130
−HK$1,779/mo
Today · 4.125%
HK$68,909
baseline
▲ 0.50% · 4.625%
HK$72,541
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,818/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,557
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,907
−HK$2,388/mo
Today · 4.125%
HK$80,295
baseline
▲ 0.50% · 4.625%
HK$85,180
+HK$4,885/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,590/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,056
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,287/mo
Today · 4.125%
HK$88,597
baseline
▲ 0.50% · 4.625%
HK$93,267
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,194/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,316 · Scale 2, in force from 26 Feb 2026)