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$41,983
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,327/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$47,330
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,958
−HK$1,270/mo
Today · 4.125%
HK$49,228
baseline
▲ 0.50% · 4.625%
HK$51,823
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,456/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,946
−HK$1,592/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,796
+HK$3,258/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,046
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,525/mo
Today · 4.125%
HK$59,074
baseline
▲ 0.50% · 4.625%
HK$62,188
+HK$3,114/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,148/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,776
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,604
−HK$1,857/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$66,262
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,387
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,141
−HK$1,779/mo
Today · 4.125%
HK$68,920
baseline
▲ 0.50% · 4.625%
HK$72,553
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,840/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,919
−HK$2,388/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,069
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,287/mo
Today · 4.125%
HK$88,611
baseline
▲ 0.50% · 4.625%
HK$93,282
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,222/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,425 · Scale 2, in force from 26 Feb 2026)