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$41,998
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,327/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,271/mo
Today · 4.125%
HK$49,246
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,492/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,397
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,965
−HK$1,593/mo
Today · 4.125%
HK$53,558
baseline
▲ 0.50% · 4.625%
HK$56,816
+HK$3,258/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,116/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,066
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,570
−HK$1,525/mo
Today · 4.125%
HK$59,095
baseline
▲ 0.50% · 4.625%
HK$62,210
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,190/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,797
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,626
−HK$1,858/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$66,286
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,411
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,165
−HK$1,780/mo
Today · 4.125%
HK$68,945
baseline
▲ 0.50% · 4.625%
HK$72,579
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,890/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,596
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,947
−HK$2,389/mo
Today · 4.125%
HK$80,336
baseline
▲ 0.50% · 4.625%
HK$85,225
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,672/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,100
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,355
−HK$2,288/mo
Today · 4.125%
HK$88,643
baseline
▲ 0.50% · 4.625%
HK$93,316
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,286/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,674 · Scale 2, in force from 26 Feb 2026)