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$41,950
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,255
−HK$1,326/mo
Today · 4.125%
HK$44,581
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,162/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,669
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,270/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,591/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,752
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,003
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,505
−HK$1,523/mo
Today · 4.125%
HK$59,028
baseline
▲ 0.50% · 4.625%
HK$62,140
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,056/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,856/mo
Today · 4.125%
HK$62,413
baseline
▲ 0.50% · 4.625%
HK$66,210
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,826/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,336
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,089
−HK$1,777/mo
Today · 4.125%
HK$68,866
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,732/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,859
−HK$2,386/mo
Today · 4.125%
HK$80,245
baseline
▲ 0.50% · 4.625%
HK$85,128
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,490/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,004
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,257
−HK$2,285/mo
Today · 4.125%
HK$88,542
baseline
▲ 0.50% · 4.625%
HK$93,210
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,084/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,889 · Scale 2, in force from 26 Feb 2026)