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$42,134
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,445
−HK$1,331/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,501
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,874
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,131
−HK$1,275/mo
Today · 4.125%
HK$49,406
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,812/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,134
−HK$1,598/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$57,001
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,249
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,531/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,413
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,988
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,823
−HK$1,864/mo
Today · 4.125%
HK$62,687
baseline
▲ 0.50% · 4.625%
HK$66,501
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,374/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,623
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,383
−HK$1,786/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$72,815
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,842
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,201
−HK$2,396/mo
Today · 4.125%
HK$80,597
baseline
▲ 0.50% · 4.625%
HK$85,502
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,194/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,373
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,636
−HK$2,295/mo
Today · 4.125%
HK$88,931
baseline
▲ 0.50% · 4.625%
HK$93,619
+HK$4,688/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,862/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,919 · Scale 2, in force from 26 Feb 2026)