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$42,155
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,332/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,276/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,586
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,159
−HK$1,599/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$57,029
+HK$3,271/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,276
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,785
−HK$1,531/mo
Today · 4.125%
HK$59,316
baseline
▲ 0.50% · 4.625%
HK$62,443
+HK$3,127/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,632/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,865/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,533
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,416
−HK$1,786/mo
Today · 4.125%
HK$69,202
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,404/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,878
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,238
−HK$2,398/mo
Today · 4.125%
HK$80,636
baseline
▲ 0.50% · 4.625%
HK$85,543
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,272/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,414
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,678
−HK$2,296/mo
Today · 4.125%
HK$88,974
baseline
▲ 0.50% · 4.625%
HK$93,664
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,948/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,254 · Scale 2, in force from 26 Feb 2026)