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$42,009
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,316
−HK$1,327/mo
Today · 4.125%
HK$44,643
baseline
▲ 0.50% · 4.625%
HK$47,360
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,286/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,735
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,988
−HK$1,272/mo
Today · 4.125%
HK$49,260
baseline
▲ 0.50% · 4.625%
HK$51,856
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,520/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,411
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,979
−HK$1,593/mo
Today · 4.125%
HK$53,572
baseline
▲ 0.50% · 4.625%
HK$56,832
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,144/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,082
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,586
−HK$1,526/mo
Today · 4.125%
HK$59,112
baseline
▲ 0.50% · 4.625%
HK$62,227
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,224/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,859/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$66,304
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,183
−HK$1,780/mo
Today · 4.125%
HK$68,963
baseline
▲ 0.50% · 4.625%
HK$72,599
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,926/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,616
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,968
−HK$2,390/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$85,248
+HK$4,890/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,122
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,379
−HK$2,288/mo
Today · 4.125%
HK$88,667
baseline
▲ 0.50% · 4.625%
HK$93,341
+HK$4,674/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,334/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,862 · Scale 2, in force from 26 Feb 2026)