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$41,934
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,326/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,711/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,270/mo
Today · 4.125%
HK$49,172
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,591/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,344/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,321
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,590/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,730
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,981
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,523/mo
Today · 4.125%
HK$59,006
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,012/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,534
−HK$1,855/mo
Today · 4.125%
HK$62,389
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,778/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,312
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,063
−HK$1,777/mo
Today · 4.125%
HK$68,840
baseline
▲ 0.50% · 4.625%
HK$72,469
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,680/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,386/mo
Today · 4.125%
HK$80,215
baseline
▲ 0.50% · 4.625%
HK$85,095
+HK$4,880/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,430/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,972
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,224
−HK$2,285/mo
Today · 4.125%
HK$88,509
baseline
▲ 0.50% · 4.625%
HK$93,174
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,018/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,627 · Scale 2, in force from 26 Feb 2026)