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$41,995
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,301
−HK$1,328/mo
Today · 4.125%
HK$44,629
baseline
▲ 0.50% · 4.625%
HK$47,344
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,258/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,719
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,972
−HK$1,271/mo
Today · 4.125%
HK$49,243
baseline
▲ 0.50% · 4.625%
HK$51,839
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,486/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,394
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,962
−HK$1,592/mo
Today · 4.125%
HK$53,554
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,108/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,063
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,567
−HK$1,525/mo
Today · 4.125%
HK$59,092
baseline
▲ 0.50% · 4.625%
HK$62,207
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,184/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,793
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,622
−HK$1,858/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,407
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$1,780/mo
Today · 4.125%
HK$68,941
baseline
▲ 0.50% · 4.625%
HK$72,575
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,882/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,591
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,943
−HK$2,388/mo
Today · 4.125%
HK$80,331
baseline
▲ 0.50% · 4.625%
HK$85,219
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,662/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,095
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,350
−HK$2,288/mo
Today · 4.125%
HK$88,638
baseline
▲ 0.50% · 4.625%
HK$93,310
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,276/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,632 · Scale 2, in force from 26 Feb 2026)