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$41,937
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,326/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,654
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,269/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,324
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,590/mo
Today · 4.125%
HK$53,480
baseline
▲ 0.50% · 4.625%
HK$56,734
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,960/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,985
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,487
−HK$1,523/mo
Today · 4.125%
HK$59,010
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,020/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,712
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,855/mo
Today · 4.125%
HK$62,393
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,786/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$1,777/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$72,474
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,487
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,835
−HK$2,385/mo
Today · 4.125%
HK$80,220
baseline
▲ 0.50% · 4.625%
HK$85,101
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,440/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,978
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,230
−HK$2,285/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,181
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,676 · Scale 2, in force from 26 Feb 2026)