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$42,065
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,374
−HK$1,329/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,423
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,797
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,274/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,478
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,049
−HK$1,595/mo
Today · 4.125%
HK$53,644
baseline
▲ 0.50% · 4.625%
HK$56,908
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,288/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,157
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,663
−HK$1,528/mo
Today · 4.125%
HK$59,191
baseline
▲ 0.50% · 4.625%
HK$62,311
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,382/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,891
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,723
−HK$1,861/mo
Today · 4.125%
HK$62,584
baseline
▲ 0.50% · 4.625%
HK$66,393
+HK$3,809/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,168/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,516
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,273
−HK$1,783/mo
Today · 4.125%
HK$69,056
baseline
▲ 0.50% · 4.625%
HK$72,696
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,112/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,718
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,073
−HK$2,393/mo
Today · 4.125%
HK$80,466
baseline
▲ 0.50% · 4.625%
HK$85,362
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,932/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,235
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,494
−HK$2,292/mo
Today · 4.125%
HK$88,786
baseline
▲ 0.50% · 4.625%
HK$93,466
+HK$4,680/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,572/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,786 · Scale 2, in force from 26 Feb 2026)