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$43,303
−HK$1,327/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$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,720
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,271/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$51,840
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,396
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,593/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,815
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,065
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,526/mo
Today · 4.125%
HK$59,094
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,188/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,795
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,624
−HK$1,858/mo
Today · 4.125%
HK$62,482
baseline
▲ 0.50% · 4.625%
HK$66,284
+HK$3,802/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,964/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,409
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,163
−HK$1,780/mo
Today · 4.125%
HK$68,943
baseline
▲ 0.50% · 4.625%
HK$72,577
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,886/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,593
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,945
−HK$2,389/mo
Today · 4.125%
HK$80,334
baseline
▲ 0.50% · 4.625%
HK$85,222
+HK$4,888/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,668/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,097
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,288/mo
Today · 4.125%
HK$88,640
baseline
▲ 0.50% · 4.625%
HK$93,313
+HK$4,673/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$690,652 · Scale 2, in force from 26 Feb 2026)