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$42,212
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,334/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,588
+HK$2,729/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,960
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,277/mo
Today · 4.125%
HK$49,497
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$98,994/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,654
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,230
−HK$1,601/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$57,106
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,352
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,533/mo
Today · 4.125%
HK$59,397
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,131/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,794/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,097
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,867/mo
Today · 4.125%
HK$62,802
baseline
▲ 0.50% · 4.625%
HK$66,624
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,604/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,744
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,508
−HK$1,788/mo
Today · 4.125%
HK$69,296
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,592/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,981
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,401/mo
Today · 4.125%
HK$80,746
baseline
▲ 0.50% · 4.625%
HK$85,659
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,492/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,528
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,795
−HK$2,300/mo
Today · 4.125%
HK$89,095
baseline
▲ 0.50% · 4.625%
HK$93,791
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,190/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,195 · Scale 2, in force from 26 Feb 2026)