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$41,957
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,326/mo
Today · 4.125%
HK$44,588
baseline
▲ 0.50% · 4.625%
HK$47,301
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,176/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,677
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,929
−HK$1,270/mo
Today · 4.125%
HK$49,199
baseline
▲ 0.50% · 4.625%
HK$51,792
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,398/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,348
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,591/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,761
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,514
−HK$1,524/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,740
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,567
−HK$1,856/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$66,222
+HK$3,799/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,347
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,100
−HK$1,778/mo
Today · 4.125%
HK$68,878
baseline
▲ 0.50% · 4.625%
HK$72,509
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,756/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,523
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,387/mo
Today · 4.125%
HK$80,259
baseline
▲ 0.50% · 4.625%
HK$85,142
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,518/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,018
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,271
−HK$2,286/mo
Today · 4.125%
HK$88,557
baseline
▲ 0.50% · 4.625%
HK$93,225
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,114/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,005 · Scale 2, in force from 26 Feb 2026)