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$42,224
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,335/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,602
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,234
−HK$1,278/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,245
−HK$1,601/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,880
−HK$1,534/mo
Today · 4.125%
HK$59,414
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,828/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,114
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,952
−HK$1,869/mo
Today · 4.125%
HK$62,821
baseline
▲ 0.50% · 4.625%
HK$66,643
+HK$3,822/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,642/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,763
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,527
−HK$1,789/mo
Today · 4.125%
HK$69,316
baseline
▲ 0.50% · 4.625%
HK$72,970
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,632/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,003
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,367
−HK$2,402/mo
Today · 4.125%
HK$80,769
baseline
▲ 0.50% · 4.625%
HK$85,684
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,538/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,553
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,821
−HK$2,300/mo
Today · 4.125%
HK$89,121
baseline
▲ 0.50% · 4.625%
HK$93,819
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,242/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,397 · Scale 2, in force from 26 Feb 2026)