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$42,289
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,336/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,280/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,201
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,325
−HK$1,604/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,455
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,969
−HK$1,536/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,204
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,046
−HK$1,871/mo
Today · 4.125%
HK$62,917
baseline
▲ 0.50% · 4.625%
HK$66,745
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,834/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,864
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,630
−HK$1,792/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,082
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,844/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,120
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,487
−HK$2,406/mo
Today · 4.125%
HK$80,893
baseline
▲ 0.50% · 4.625%
HK$85,815
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,786/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,682
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,953
−HK$2,304/mo
Today · 4.125%
HK$89,257
baseline
▲ 0.50% · 4.625%
HK$93,962
+HK$4,705/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,514/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,459 · Scale 2, in force from 26 Feb 2026)