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$42,055
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,329/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,273/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,595/mo
Today · 4.125%
HK$53,630
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,260/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,528/mo
Today · 4.125%
HK$59,176
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,352/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,708
−HK$1,861/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$66,376
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,500
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$1,782/mo
Today · 4.125%
HK$69,038
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,076/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,392/mo
Today · 4.125%
HK$80,445
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,895/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,890/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,214
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,292/mo
Today · 4.125%
HK$88,764
baseline
▲ 0.50% · 4.625%
HK$93,442
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,528/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,612 · Scale 2, in force from 26 Feb 2026)