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$42,005
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,312
−HK$1,327/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,278/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,271/mo
Today · 4.125%
HK$49,255
baseline
▲ 0.50% · 4.625%
HK$51,852
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,510/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,406
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,974
−HK$1,593/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,827
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,077
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,581
−HK$1,525/mo
Today · 4.125%
HK$59,106
baseline
▲ 0.50% · 4.625%
HK$62,222
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,212/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,808
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,637
−HK$1,858/mo
Today · 4.125%
HK$62,495
baseline
▲ 0.50% · 4.625%
HK$66,298
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,990/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,423
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,177
−HK$1,780/mo
Today · 4.125%
HK$68,957
baseline
▲ 0.50% · 4.625%
HK$72,592
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,914/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,610
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,962
−HK$2,389/mo
Today · 4.125%
HK$80,351
baseline
▲ 0.50% · 4.625%
HK$85,240
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,702/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,115
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,371
−HK$2,288/mo
Today · 4.125%
HK$88,659
baseline
▲ 0.50% · 4.625%
HK$93,333
+HK$4,674/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,318/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,801 · Scale 2, in force from 26 Feb 2026)