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$42,243
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,335/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,255
−HK$1,279/mo
Today · 4.125%
HK$49,534
baseline
▲ 0.50% · 4.625%
HK$52,145
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,068/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,268
−HK$1,602/mo
Today · 4.125%
HK$53,870
baseline
▲ 0.50% · 4.625%
HK$57,148
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,740/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,534/mo
Today · 4.125%
HK$59,440
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,880/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,140
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,979
−HK$1,869/mo
Today · 4.125%
HK$62,848
baseline
▲ 0.50% · 4.625%
HK$66,673
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,696/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,792
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,557
−HK$1,790/mo
Today · 4.125%
HK$69,347
baseline
▲ 0.50% · 4.625%
HK$73,002
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,694/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,037
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,402
−HK$2,403/mo
Today · 4.125%
HK$80,805
baseline
▲ 0.50% · 4.625%
HK$85,722
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,610/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,590
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,859
−HK$2,301/mo
Today · 4.125%
HK$89,160
baseline
▲ 0.50% · 4.625%
HK$93,860
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,320/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,703 · Scale 2, in force from 26 Feb 2026)