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$42,000
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,328/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,271/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,400
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,968
−HK$1,593/mo
Today · 4.125%
HK$53,561
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,122/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,573
−HK$1,526/mo
Today · 4.125%
HK$59,099
baseline
▲ 0.50% · 4.625%
HK$62,214
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,198/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,800
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,629
−HK$1,858/mo
Today · 4.125%
HK$62,487
baseline
▲ 0.50% · 4.625%
HK$66,290
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,974/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,414
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,169
−HK$1,780/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,600
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,389/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$85,229
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,104
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,360
−HK$2,288/mo
Today · 4.125%
HK$88,648
baseline
▲ 0.50% · 4.625%
HK$93,321
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,296/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,713 · Scale 2, in force from 26 Feb 2026)