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$41,959
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,326/mo
Today · 4.125%
HK$44,591
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,713/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,182/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,679
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,270/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,594/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,351
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,591/mo
Today · 4.125%
HK$53,509
baseline
▲ 0.50% · 4.625%
HK$56,765
+HK$3,256/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,018/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,015
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,518
−HK$1,524/mo
Today · 4.125%
HK$59,042
baseline
▲ 0.50% · 4.625%
HK$62,154
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,084/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,743
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,570
−HK$1,857/mo
Today · 4.125%
HK$62,427
baseline
▲ 0.50% · 4.625%
HK$66,225
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,854/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,351
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,104
−HK$1,778/mo
Today · 4.125%
HK$68,882
baseline
▲ 0.50% · 4.625%
HK$72,513
+HK$3,631/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,764/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,527
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,387/mo
Today · 4.125%
HK$80,263
baseline
▲ 0.50% · 4.625%
HK$85,147
+HK$4,884/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,526/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,023
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,276
−HK$2,287/mo
Today · 4.125%
HK$88,563
baseline
▲ 0.50% · 4.625%
HK$93,231
+HK$4,668/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,126/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,045 · Scale 2, in force from 26 Feb 2026)