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$42,007
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,314
−HK$1,327/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$47,357
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,732
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,986
−HK$1,271/mo
Today · 4.125%
HK$49,257
baseline
▲ 0.50% · 4.625%
HK$51,854
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,514/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,408
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,593/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,829
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,079
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,526/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,810
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,639
−HK$1,859/mo
Today · 4.125%
HK$62,498
baseline
▲ 0.50% · 4.625%
HK$66,300
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$124,996/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,425
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,180
−HK$1,780/mo
Today · 4.125%
HK$68,960
baseline
▲ 0.50% · 4.625%
HK$72,595
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,920/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,613
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,965
−HK$2,389/mo
Today · 4.125%
HK$80,354
baseline
▲ 0.50% · 4.625%
HK$85,243
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,708/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,118
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,374
−HK$2,289/mo
Today · 4.125%
HK$88,663
baseline
▲ 0.50% · 4.625%
HK$93,336
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,326/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,827 · Scale 2, in force from 26 Feb 2026)