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$41,980
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,286
−HK$1,326/mo
Today · 4.125%
HK$44,612
baseline
▲ 0.50% · 4.625%
HK$47,327
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,224/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,955
−HK$1,270/mo
Today · 4.125%
HK$49,225
baseline
▲ 0.50% · 4.625%
HK$51,820
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,450/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,376
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,943
−HK$1,592/mo
Today · 4.125%
HK$53,535
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,070/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,043
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,524/mo
Today · 4.125%
HK$59,070
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,114/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,140/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,772
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,600
−HK$1,857/mo
Today · 4.125%
HK$62,457
baseline
▲ 0.50% · 4.625%
HK$66,258
+HK$3,801/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,914/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,383
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$1,779/mo
Today · 4.125%
HK$68,916
baseline
▲ 0.50% · 4.625%
HK$72,548
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,832/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,914
−HK$2,388/mo
Today · 4.125%
HK$80,302
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,604/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,064
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,318
−HK$2,288/mo
Today · 4.125%
HK$88,606
baseline
▲ 0.50% · 4.625%
HK$93,276
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,212/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,381 · Scale 2, in force from 26 Feb 2026)