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$41,939
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,326/mo
Today · 4.125%
HK$44,569
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,711/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,138/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,908
−HK$1,269/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$51,769
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,892
−HK$1,590/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,737
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,489
−HK$1,523/mo
Today · 4.125%
HK$59,012
baseline
▲ 0.50% · 4.625%
HK$62,123
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,024/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,856/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$1,777/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,490
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,838
−HK$2,385/mo
Today · 4.125%
HK$80,223
baseline
▲ 0.50% · 4.625%
HK$85,105
+HK$4,882/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,446/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,981
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,234
−HK$2,285/mo
Today · 4.125%
HK$88,519
baseline
▲ 0.50% · 4.625%
HK$93,185
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,038/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,703 · Scale 2, in force from 26 Feb 2026)