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$42,012
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,319
−HK$1,328/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,364
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,738
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,992
−HK$1,272/mo
Today · 4.125%
HK$49,264
baseline
▲ 0.50% · 4.625%
HK$51,860
+HK$2,596/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,528/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,415
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,593/mo
Today · 4.125%
HK$53,576
baseline
▲ 0.50% · 4.625%
HK$56,836
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,152/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,086
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,590
−HK$1,526/mo
Today · 4.125%
HK$59,116
baseline
▲ 0.50% · 4.625%
HK$62,232
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,232/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,647
−HK$1,859/mo
Today · 4.125%
HK$62,506
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,012/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,434
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,189
−HK$1,780/mo
Today · 4.125%
HK$68,969
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,938/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,622
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,975
−HK$2,390/mo
Today · 4.125%
HK$80,365
baseline
▲ 0.50% · 4.625%
HK$85,255
+HK$4,890/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,730/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,129
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,385
−HK$2,289/mo
Today · 4.125%
HK$88,674
baseline
▲ 0.50% · 4.625%
HK$93,349
+HK$4,675/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,348/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,917 · Scale 2, in force from 26 Feb 2026)