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$42,149
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,460
−HK$1,332/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,891
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,276/mo
Today · 4.125%
HK$49,424
baseline
▲ 0.50% · 4.625%
HK$52,029
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,848/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,579
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,599/mo
Today · 4.125%
HK$53,751
baseline
▲ 0.50% · 4.625%
HK$57,022
+HK$3,271/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,502/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,778
−HK$1,531/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,435
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,009
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,845
−HK$1,864/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,525
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,647
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,408
−HK$1,786/mo
Today · 4.125%
HK$69,194
baseline
▲ 0.50% · 4.625%
HK$72,841
+HK$3,647/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,388/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,229
−HK$2,397/mo
Today · 4.125%
HK$80,626
baseline
▲ 0.50% · 4.625%
HK$85,532
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,252/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,403
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,667
−HK$2,296/mo
Today · 4.125%
HK$88,963
baseline
▲ 0.50% · 4.625%
HK$93,653
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,926/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,168 · Scale 2, in force from 26 Feb 2026)