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$42,067
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,329/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,721/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,799
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,055
−HK$1,273/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,051
−HK$1,595/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,159
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,666
−HK$1,527/mo
Today · 4.125%
HK$59,193
baseline
▲ 0.50% · 4.625%
HK$62,314
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,386/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,894
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,861/mo
Today · 4.125%
HK$62,587
baseline
▲ 0.50% · 4.625%
HK$66,396
+HK$3,809/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,174/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,276
−HK$1,783/mo
Today · 4.125%
HK$69,059
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,118/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,721
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,076
−HK$2,394/mo
Today · 4.125%
HK$80,470
baseline
▲ 0.50% · 4.625%
HK$85,366
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,940/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,239
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,498
−HK$2,292/mo
Today · 4.125%
HK$88,790
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$4,680/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,580/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,819 · Scale 2, in force from 26 Feb 2026)