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$42,001
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,327/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,272/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,401
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,968
−HK$1,593/mo
Today · 4.125%
HK$53,561
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,122/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,574
−HK$1,525/mo
Today · 4.125%
HK$59,099
baseline
▲ 0.50% · 4.625%
HK$62,215
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,198/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,801
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,858/mo
Today · 4.125%
HK$62,488
baseline
▲ 0.50% · 4.625%
HK$66,290
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,976/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,415
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,170
−HK$1,779/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$72,584
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,953
−HK$2,389/mo
Today · 4.125%
HK$80,342
baseline
▲ 0.50% · 4.625%
HK$85,230
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,684/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,105
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,288/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$93,322
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,721 · Scale 2, in force from 26 Feb 2026)