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$42,158
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,332/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,901
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,276/mo
Today · 4.125%
HK$49,435
baseline
▲ 0.50% · 4.625%
HK$52,041
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,870/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,590
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,164
−HK$1,599/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$57,034
+HK$3,271/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,281
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,790
−HK$1,532/mo
Today · 4.125%
HK$59,322
baseline
▲ 0.50% · 4.625%
HK$62,449
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,644/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,858
−HK$1,865/mo
Today · 4.125%
HK$62,723
baseline
▲ 0.50% · 4.625%
HK$66,540
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,446/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,661
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,422
−HK$1,787/mo
Today · 4.125%
HK$69,209
baseline
▲ 0.50% · 4.625%
HK$72,857
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,418/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,885
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,398/mo
Today · 4.125%
HK$80,644
baseline
▲ 0.50% · 4.625%
HK$85,551
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,288/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,422
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,297/mo
Today · 4.125%
HK$88,983
baseline
▲ 0.50% · 4.625%
HK$93,673
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,966/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,318 · Scale 2, in force from 26 Feb 2026)