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$41,974
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,327/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$47,321
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,696
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,948
−HK$1,271/mo
Today · 4.125%
HK$49,219
baseline
▲ 0.50% · 4.625%
HK$51,813
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,438/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,592/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,785
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,525/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,176
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,764
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,857/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,778/mo
Today · 4.125%
HK$68,906
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,812/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,554
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,388/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$85,177
+HK$4,885/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,053
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,307
−HK$2,287/mo
Today · 4.125%
HK$88,594
baseline
▲ 0.50% · 4.625%
HK$93,264
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,188/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,290 · Scale 2, in force from 26 Feb 2026)