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$41,975
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,327/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$47,321
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,696
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,949
−HK$1,270/mo
Today · 4.125%
HK$49,219
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,595/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,438/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,370
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,592/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,785
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,036
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,525/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,176
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,764
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,858/mo
Today · 4.125%
HK$62,450
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,799/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,900/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,375
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,779/mo
Today · 4.125%
HK$68,907
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,814/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,554
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,905
−HK$2,387/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$85,178
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,053
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,308
−HK$2,287/mo
Today · 4.125%
HK$88,595
baseline
▲ 0.50% · 4.625%
HK$93,265
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,190/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,295 · Scale 2, in force from 26 Feb 2026)