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$42,148
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,332/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,517
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,890
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,276/mo
Today · 4.125%
HK$49,423
baseline
▲ 0.50% · 4.625%
HK$52,028
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,846/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,151
−HK$1,599/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$57,020
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,268
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,777
−HK$1,531/mo
Today · 4.125%
HK$59,308
baseline
▲ 0.50% · 4.625%
HK$62,434
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,616/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,843
−HK$1,865/mo
Today · 4.125%
HK$62,708
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,416/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,646
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,406
−HK$1,786/mo
Today · 4.125%
HK$69,192
baseline
▲ 0.50% · 4.625%
HK$72,839
+HK$3,647/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,384/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,227
−HK$2,398/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$85,530
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,401
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,665
−HK$2,296/mo
Today · 4.125%
HK$88,961
baseline
▲ 0.50% · 4.625%
HK$93,651
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,922/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,153 · Scale 2, in force from 26 Feb 2026)