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$41,996
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,302
−HK$1,328/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$47,345
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,720
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,271/mo
Today · 4.125%
HK$49,244
baseline
▲ 0.50% · 4.625%
HK$51,840
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,488/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,395
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,592/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,814
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,064
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,525/mo
Today · 4.125%
HK$59,093
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,186/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,794
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,623
−HK$1,858/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$66,283
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,408
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$1,780/mo
Today · 4.125%
HK$68,942
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,884/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,593
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,944
−HK$2,389/mo
Today · 4.125%
HK$80,333
baseline
▲ 0.50% · 4.625%
HK$85,221
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,666/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,096
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,288/mo
Today · 4.125%
HK$88,640
baseline
▲ 0.50% · 4.625%
HK$93,312
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,280/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,647 · Scale 2, in force from 26 Feb 2026)