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$41,938
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,326/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,269/mo
Today · 4.125%
HK$49,176
baseline
▲ 0.50% · 4.625%
HK$51,768
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,352/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,891
−HK$1,590/mo
Today · 4.125%
HK$53,481
baseline
▲ 0.50% · 4.625%
HK$56,736
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,962/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,987
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,523/mo
Today · 4.125%
HK$59,011
baseline
▲ 0.50% · 4.625%
HK$62,122
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,022/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,713
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,539
−HK$1,856/mo
Today · 4.125%
HK$62,395
baseline
▲ 0.50% · 4.625%
HK$66,192
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,790/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,318
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,070
−HK$1,777/mo
Today · 4.125%
HK$68,847
baseline
▲ 0.50% · 4.625%
HK$72,476
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,694/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,488
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,386/mo
Today · 4.125%
HK$80,222
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,444/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,980
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,232
−HK$2,285/mo
Today · 4.125%
HK$88,517
baseline
▲ 0.50% · 4.625%
HK$93,183
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,034/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,692 · Scale 2, in force from 26 Feb 2026)