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$42,107
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,331/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,275/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,529
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,101
−HK$1,596/mo
Today · 4.125%
HK$53,697
baseline
▲ 0.50% · 4.625%
HK$56,965
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,394/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,213
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,720
−HK$1,530/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,373
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,950
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,784
−HK$1,863/mo
Today · 4.125%
HK$62,647
baseline
▲ 0.50% · 4.625%
HK$66,459
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,294/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,582
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,340
−HK$1,785/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$72,768
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,793
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,151
−HK$2,395/mo
Today · 4.125%
HK$80,546
baseline
▲ 0.50% · 4.625%
HK$85,447
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,092/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,319
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,581
−HK$2,294/mo
Today · 4.125%
HK$88,875
baseline
▲ 0.50% · 4.625%
HK$93,559
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,750/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,477 · Scale 2, in force from 26 Feb 2026)