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$41,993
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,299
−HK$1,327/mo
Today · 4.125%
HK$44,626
baseline
▲ 0.50% · 4.625%
HK$47,342
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,252/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,717
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,271/mo
Today · 4.125%
HK$49,241
baseline
▲ 0.50% · 4.625%
HK$51,836
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,482/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,391
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,592/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,060
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,526/mo
Today · 4.125%
HK$59,089
baseline
▲ 0.50% · 4.625%
HK$62,203
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,178/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,790
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,619
−HK$1,858/mo
Today · 4.125%
HK$62,477
baseline
▲ 0.50% · 4.625%
HK$66,278
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,954/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,403
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,157
−HK$1,780/mo
Today · 4.125%
HK$68,937
baseline
▲ 0.50% · 4.625%
HK$72,571
+HK$3,634/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,874/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,587
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,389/mo
Today · 4.125%
HK$80,327
baseline
▲ 0.50% · 4.625%
HK$85,215
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,654/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,090
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,345
−HK$2,288/mo
Today · 4.125%
HK$88,633
baseline
▲ 0.50% · 4.625%
HK$93,305
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,266/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,594 · Scale 2, in force from 26 Feb 2026)