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$42,084
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,330/mo
Today · 4.125%
HK$44,723
baseline
▲ 0.50% · 4.625%
HK$47,445
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,446/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,818
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,074
−HK$1,274/mo
Today · 4.125%
HK$49,348
baseline
▲ 0.50% · 4.625%
HK$51,949
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,696/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,501
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,072
−HK$1,596/mo
Today · 4.125%
HK$53,668
baseline
▲ 0.50% · 4.625%
HK$56,933
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,336/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,182
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,689
−HK$1,528/mo
Today · 4.125%
HK$59,217
baseline
▲ 0.50% · 4.625%
HK$62,339
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,434/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,918
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,751
−HK$1,862/mo
Today · 4.125%
HK$62,613
baseline
▲ 0.50% · 4.625%
HK$66,422
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,226/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,546
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,303
−HK$1,784/mo
Today · 4.125%
HK$69,087
baseline
▲ 0.50% · 4.625%
HK$72,728
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,174/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,752
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,108
−HK$2,394/mo
Today · 4.125%
HK$80,502
baseline
▲ 0.50% · 4.625%
HK$85,400
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,004/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,273
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,533
−HK$2,293/mo
Today · 4.125%
HK$88,826
baseline
▲ 0.50% · 4.625%
HK$93,508
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,652/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,097 · Scale 2, in force from 26 Feb 2026)