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$42,144
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,455
−HK$1,332/mo
Today · 4.125%
HK$44,787
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,574/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,885
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,142
−HK$1,276/mo
Today · 4.125%
HK$49,418
baseline
▲ 0.50% · 4.625%
HK$52,023
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,836/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,573
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,146
−HK$1,598/mo
Today · 4.125%
HK$53,744
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,488/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,262
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,530/mo
Today · 4.125%
HK$59,301
baseline
▲ 0.50% · 4.625%
HK$62,427
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,602/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,002
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,865/mo
Today · 4.125%
HK$62,702
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,404/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,639
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$1,786/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,219
−HK$2,397/mo
Today · 4.125%
HK$80,616
baseline
▲ 0.50% · 4.625%
HK$85,522
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,232/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,393
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,656
−HK$2,296/mo
Today · 4.125%
HK$88,952
baseline
▲ 0.50% · 4.625%
HK$93,641
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,904/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,081 · Scale 2, in force from 26 Feb 2026)