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$42,094
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,330/mo
Today · 4.125%
HK$44,733
baseline
▲ 0.50% · 4.625%
HK$47,455
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,466/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,829
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,085
−HK$1,274/mo
Today · 4.125%
HK$49,359
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,718/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,513
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,084
−HK$1,596/mo
Today · 4.125%
HK$53,680
baseline
▲ 0.50% · 4.625%
HK$56,946
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,360/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,195
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,702
−HK$1,529/mo
Today · 4.125%
HK$59,231
baseline
▲ 0.50% · 4.625%
HK$62,353
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,462/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,931
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,764
−HK$1,863/mo
Today · 4.125%
HK$62,627
baseline
▲ 0.50% · 4.625%
HK$66,438
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,254/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,560
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,319
−HK$1,784/mo
Today · 4.125%
HK$69,103
baseline
▲ 0.50% · 4.625%
HK$72,745
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,206/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,769
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,126
−HK$2,394/mo
Today · 4.125%
HK$80,520
baseline
▲ 0.50% · 4.625%
HK$85,420
+HK$4,900/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,040/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,292
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,553
−HK$2,293/mo
Today · 4.125%
HK$88,846
baseline
▲ 0.50% · 4.625%
HK$93,529
+HK$4,683/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,692/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,255 · Scale 2, in force from 26 Feb 2026)