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$41,991
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,327/mo
Today · 4.125%
HK$44,624
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,248/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,714
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,967
−HK$1,271/mo
Today · 4.125%
HK$49,238
baseline
▲ 0.50% · 4.625%
HK$51,833
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,476/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,389
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,956
−HK$1,592/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,807
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,057
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,560
−HK$1,525/mo
Today · 4.125%
HK$59,085
baseline
▲ 0.50% · 4.625%
HK$62,200
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,170/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,615
−HK$1,858/mo
Today · 4.125%
HK$62,473
baseline
▲ 0.50% · 4.625%
HK$66,275
+HK$3,802/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,946/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,400
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$1,779/mo
Today · 4.125%
HK$68,933
baseline
▲ 0.50% · 4.625%
HK$72,567
+HK$3,634/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,866/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,934
−HK$2,389/mo
Today · 4.125%
HK$80,323
baseline
▲ 0.50% · 4.625%
HK$85,210
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,646/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,085
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,340
−HK$2,288/mo
Today · 4.125%
HK$88,628
baseline
▲ 0.50% · 4.625%
HK$93,300
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,256/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,556 · Scale 2, in force from 26 Feb 2026)