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$41,965
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,270
−HK$1,327/mo
Today · 4.125%
HK$44,597
baseline
▲ 0.50% · 4.625%
HK$47,310
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,194/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,938
−HK$1,270/mo
Today · 4.125%
HK$49,208
baseline
▲ 0.50% · 4.625%
HK$51,802
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,416/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,592/mo
Today · 4.125%
HK$53,516
baseline
▲ 0.50% · 4.625%
HK$56,772
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,032/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,023
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,524/mo
Today · 4.125%
HK$59,049
baseline
▲ 0.50% · 4.625%
HK$62,162
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,098/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,751
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,578
−HK$1,857/mo
Today · 4.125%
HK$62,435
baseline
▲ 0.50% · 4.625%
HK$66,234
+HK$3,799/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,870/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,360
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,113
−HK$1,778/mo
Today · 4.125%
HK$68,891
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,782/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,537
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,387/mo
Today · 4.125%
HK$80,274
baseline
▲ 0.50% · 4.625%
HK$85,158
+HK$4,884/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,548/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,034
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,286/mo
Today · 4.125%
HK$88,574
baseline
▲ 0.50% · 4.625%
HK$93,243
+HK$4,669/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,148/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,136 · Scale 2, in force from 26 Feb 2026)