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$42,072
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,329/mo
Today · 4.125%
HK$44,710
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,420/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,805
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,060
−HK$1,274/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,934
+HK$2,600/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,057
−HK$1,596/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,917
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,166
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,672
−HK$1,528/mo
Today · 4.125%
HK$59,200
baseline
▲ 0.50% · 4.625%
HK$62,321
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,400/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,901
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,733
−HK$1,862/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$66,403
+HK$3,808/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,527
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,284
−HK$1,783/mo
Today · 4.125%
HK$69,067
baseline
▲ 0.50% · 4.625%
HK$72,708
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,134/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,730
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,086
−HK$2,393/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$85,376
+HK$4,897/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,249
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,508
−HK$2,292/mo
Today · 4.125%
HK$88,800
baseline
▲ 0.50% · 4.625%
HK$93,481
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,600/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,899 · Scale 2, in force from 26 Feb 2026)