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$42,010
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,328/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,272/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,980
−HK$1,594/mo
Today · 4.125%
HK$53,574
baseline
▲ 0.50% · 4.625%
HK$56,834
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,148/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,083
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,587
−HK$1,526/mo
Today · 4.125%
HK$59,113
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,226/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,814
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,644
−HK$1,859/mo
Today · 4.125%
HK$62,503
baseline
▲ 0.50% · 4.625%
HK$66,306
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,006/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,430
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$1,780/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$72,601
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,619
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,971
−HK$2,390/mo
Today · 4.125%
HK$80,361
baseline
▲ 0.50% · 4.625%
HK$85,250
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,722/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,125
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,381
−HK$2,289/mo
Today · 4.125%
HK$88,670
baseline
▲ 0.50% · 4.625%
HK$93,344
+HK$4,674/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,340/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,882 · Scale 2, in force from 26 Feb 2026)