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$42,008
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,314
−HK$1,328/mo
Today · 4.125%
HK$44,642
baseline
▲ 0.50% · 4.625%
HK$47,358
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,284/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,733
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,987
−HK$1,271/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$51,855
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,409
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,977
−HK$1,593/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,830
+HK$3,260/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,140/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,080
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,584
−HK$1,526/mo
Today · 4.125%
HK$59,110
baseline
▲ 0.50% · 4.625%
HK$62,225
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,220/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,811
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,640
−HK$1,859/mo
Today · 4.125%
HK$62,499
baseline
▲ 0.50% · 4.625%
HK$66,302
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$124,998/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,181
−HK$1,780/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$72,596
+HK$3,635/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,614
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,966
−HK$2,390/mo
Today · 4.125%
HK$80,356
baseline
▲ 0.50% · 4.625%
HK$85,245
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,712/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,120
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,376
−HK$2,289/mo
Today · 4.125%
HK$88,665
baseline
▲ 0.50% · 4.625%
HK$93,338
+HK$4,673/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,330/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,841 · Scale 2, in force from 26 Feb 2026)