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$41,978
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,327/mo
Today · 4.125%
HK$44,610
baseline
▲ 0.50% · 4.625%
HK$47,324
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,220/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,700
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,952
−HK$1,271/mo
Today · 4.125%
HK$49,223
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,446/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,373
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,940
−HK$1,592/mo
Today · 4.125%
HK$53,532
baseline
▲ 0.50% · 4.625%
HK$56,789
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,064/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,040
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,543
−HK$1,524/mo
Today · 4.125%
HK$59,067
baseline
▲ 0.50% · 4.625%
HK$62,181
+HK$3,114/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,134/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,769
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,597
−HK$1,857/mo
Today · 4.125%
HK$62,454
baseline
▲ 0.50% · 4.625%
HK$66,254
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,908/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,380
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,133
−HK$1,779/mo
Today · 4.125%
HK$68,912
baseline
▲ 0.50% · 4.625%
HK$72,544
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,824/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,560
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,910
−HK$2,388/mo
Today · 4.125%
HK$80,298
baseline
▲ 0.50% · 4.625%
HK$85,184
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,596/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,060
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,314
−HK$2,287/mo
Today · 4.125%
HK$88,601
baseline
▲ 0.50% · 4.625%
HK$93,271
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,202/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,345 · Scale 2, in force from 26 Feb 2026)