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$42,229
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,334/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,279/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,128
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,675
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,251
−HK$1,602/mo
Today · 4.125%
HK$53,853
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,706/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,375
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,887
−HK$1,534/mo
Today · 4.125%
HK$59,421
baseline
▲ 0.50% · 4.625%
HK$62,553
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,842/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,121
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,960
−HK$1,868/mo
Today · 4.125%
HK$62,828
baseline
▲ 0.50% · 4.625%
HK$66,651
+HK$3,823/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,656/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,771
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,535
−HK$1,790/mo
Today · 4.125%
HK$69,325
baseline
▲ 0.50% · 4.625%
HK$72,979
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,650/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,013
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,377
−HK$2,402/mo
Today · 4.125%
HK$80,779
baseline
▲ 0.50% · 4.625%
HK$85,694
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,558/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,563
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,831
−HK$2,301/mo
Today · 4.125%
HK$89,132
baseline
▲ 0.50% · 4.625%
HK$93,830
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,264/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,481 · Scale 2, in force from 26 Feb 2026)