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$41,967
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,326/mo
Today · 4.125%
HK$44,598
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,196/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,939
−HK$1,271/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,360
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,592/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,774
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,025
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,527
−HK$1,525/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,164
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,753
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,581
−HK$1,856/mo
Today · 4.125%
HK$62,437
baseline
▲ 0.50% · 4.625%
HK$66,237
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,874/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,362
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$1,779/mo
Today · 4.125%
HK$68,894
baseline
▲ 0.50% · 4.625%
HK$72,525
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,788/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,540
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,889
−HK$2,388/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$85,161
+HK$4,884/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,037
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,291
−HK$2,286/mo
Today · 4.125%
HK$88,577
baseline
▲ 0.50% · 4.625%
HK$93,246
+HK$4,669/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,154/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,161 · Scale 2, in force from 26 Feb 2026)