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$41,986
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,327/mo
Today · 4.125%
HK$44,619
baseline
▲ 0.50% · 4.625%
HK$47,334
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,238/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,709
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,962
−HK$1,271/mo
Today · 4.125%
HK$49,233
baseline
▲ 0.50% · 4.625%
HK$51,828
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,466/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,384
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,951
−HK$1,592/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,801
+HK$3,258/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,051
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,555
−HK$1,525/mo
Today · 4.125%
HK$59,080
baseline
▲ 0.50% · 4.625%
HK$62,194
+HK$3,114/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,160/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,781
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,609
−HK$1,858/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$66,268
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,393
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,147
−HK$1,779/mo
Today · 4.125%
HK$68,926
baseline
▲ 0.50% · 4.625%
HK$72,559
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,852/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,575
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,926
−HK$2,389/mo
Today · 4.125%
HK$80,315
baseline
▲ 0.50% · 4.625%
HK$85,202
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,630/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,077
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,332
−HK$2,287/mo
Today · 4.125%
HK$88,619
baseline
▲ 0.50% · 4.625%
HK$93,291
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,238/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,488 · Scale 2, in force from 26 Feb 2026)