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$42,045
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,329/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,775
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,273/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,454
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,023
−HK$1,595/mo
Today · 4.125%
HK$53,618
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$3,262/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,236/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,130
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,635
−HK$1,527/mo
Today · 4.125%
HK$59,162
baseline
▲ 0.50% · 4.625%
HK$62,281
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,324/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,863
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,694
−HK$1,860/mo
Today · 4.125%
HK$62,554
baseline
▲ 0.50% · 4.625%
HK$66,360
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,108/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,484
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,241
−HK$1,781/mo
Today · 4.125%
HK$69,022
baseline
▲ 0.50% · 4.625%
HK$72,661
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,044/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,681
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,035
−HK$2,392/mo
Today · 4.125%
HK$80,427
baseline
▲ 0.50% · 4.625%
HK$85,321
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,854/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,194
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,452
−HK$2,291/mo
Today · 4.125%
HK$88,743
baseline
▲ 0.50% · 4.625%
HK$93,421
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,486/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,452 · Scale 2, in force from 26 Feb 2026)