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$42,001
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,327/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,979
−HK$1,272/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,402
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,969
−HK$1,593/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,821
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,071
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,526/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,216
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,802
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,631
−HK$1,858/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$66,292
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,417
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,171
−HK$1,780/mo
Today · 4.125%
HK$68,951
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,902/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,602
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,954
−HK$2,389/mo
Today · 4.125%
HK$80,343
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,686/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,107
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,363
−HK$2,288/mo
Today · 4.125%
HK$88,651
baseline
▲ 0.50% · 4.625%
HK$93,324
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,302/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,735 · Scale 2, in force from 26 Feb 2026)