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$42,110
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,330/mo
Today · 4.125%
HK$44,750
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,500/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,847
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,103
−HK$1,275/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$51,980
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,596/mo
Today · 4.125%
HK$53,700
baseline
▲ 0.50% · 4.625%
HK$56,968
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,400/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,216
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,724
−HK$1,529/mo
Today · 4.125%
HK$59,253
baseline
▲ 0.50% · 4.625%
HK$62,376
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,506/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,954
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,787
−HK$1,864/mo
Today · 4.125%
HK$62,651
baseline
▲ 0.50% · 4.625%
HK$66,463
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,302/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,585
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,344
−HK$1,785/mo
Today · 4.125%
HK$69,129
baseline
▲ 0.50% · 4.625%
HK$72,773
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,258/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,798
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,155
−HK$2,396/mo
Today · 4.125%
HK$80,551
baseline
▲ 0.50% · 4.625%
HK$85,452
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,102/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,324
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,586
−HK$2,294/mo
Today · 4.125%
HK$88,880
baseline
▲ 0.50% · 4.625%
HK$93,565
+HK$4,685/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,760/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,517 · Scale 2, in force from 26 Feb 2026)