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$41,973
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,326/mo
Today · 4.125%
HK$44,605
baseline
▲ 0.50% · 4.625%
HK$47,319
+HK$2,714/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,210/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,947
−HK$1,270/mo
Today · 4.125%
HK$49,217
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,595/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,434/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,368
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,592/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,783
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,033
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,525/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,762
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,857/mo
Today · 4.125%
HK$62,447
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,894/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,372
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$1,778/mo
Today · 4.125%
HK$68,904
baseline
▲ 0.50% · 4.625%
HK$72,536
+HK$3,632/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,808/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,901
−HK$2,388/mo
Today · 4.125%
HK$80,289
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,886/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,578/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,050
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,304
−HK$2,287/mo
Today · 4.125%
HK$88,591
baseline
▲ 0.50% · 4.625%
HK$93,261
+HK$4,670/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,182/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,268 · Scale 2, in force from 26 Feb 2026)