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$41,988
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,294
−HK$1,327/mo
Today · 4.125%
HK$44,621
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,242/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,711
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,964
−HK$1,271/mo
Today · 4.125%
HK$49,235
baseline
▲ 0.50% · 4.625%
HK$51,830
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,470/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,385
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,953
−HK$1,592/mo
Today · 4.125%
HK$53,545
baseline
▲ 0.50% · 4.625%
HK$56,803
+HK$3,258/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,090/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,053
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,557
−HK$1,525/mo
Today · 4.125%
HK$59,082
baseline
▲ 0.50% · 4.625%
HK$62,196
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,164/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,783
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,611
−HK$1,858/mo
Today · 4.125%
HK$62,469
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,938/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,395
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$1,780/mo
Today · 4.125%
HK$68,929
baseline
▲ 0.50% · 4.625%
HK$72,562
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,858/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,578
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,929
−HK$2,389/mo
Today · 4.125%
HK$80,318
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,636/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,080
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,335
−HK$2,287/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$93,294
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,244/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,512 · Scale 2, in force from 26 Feb 2026)