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$42,050
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,358
−HK$1,328/mo
Today · 4.125%
HK$44,686
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,372/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,780
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,034
−HK$1,273/mo
Today · 4.125%
HK$49,307
baseline
▲ 0.50% · 4.625%
HK$51,906
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,614/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,459
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,029
−HK$1,595/mo
Today · 4.125%
HK$53,624
baseline
▲ 0.50% · 4.625%
HK$56,887
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,248/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,136
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,528/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,287
+HK$3,118/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,869
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,701
−HK$1,860/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$66,368
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,492
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,248
−HK$1,782/mo
Today · 4.125%
HK$69,030
baseline
▲ 0.50% · 4.625%
HK$72,669
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,060/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,689
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,044
−HK$2,392/mo
Today · 4.125%
HK$80,436
baseline
▲ 0.50% · 4.625%
HK$85,330
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,872/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,204
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,462
−HK$2,291/mo
Today · 4.125%
HK$88,753
baseline
▲ 0.50% · 4.625%
HK$93,431
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,506/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,528 · Scale 2, in force from 26 Feb 2026)