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$41,972
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,277
−HK$1,327/mo
Today · 4.125%
HK$44,604
baseline
▲ 0.50% · 4.625%
HK$47,318
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,208/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,693
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,271/mo
Today · 4.125%
HK$49,216
baseline
▲ 0.50% · 4.625%
HK$51,810
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,432/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,366
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,932
−HK$1,592/mo
Today · 4.125%
HK$53,524
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,048/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,031
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,534
−HK$1,525/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,588
−HK$1,857/mo
Today · 4.125%
HK$62,445
baseline
▲ 0.50% · 4.625%
HK$66,245
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,890/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,370
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$1,779/mo
Today · 4.125%
HK$68,902
baseline
▲ 0.50% · 4.625%
HK$72,534
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,804/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,549
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,899
−HK$2,387/mo
Today · 4.125%
HK$80,286
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,572/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,047
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,301
−HK$2,287/mo
Today · 4.125%
HK$88,588
baseline
▲ 0.50% · 4.625%
HK$93,258
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,176/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,244 · Scale 2, in force from 26 Feb 2026)