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$42,268
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,336/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,280/mo
Today · 4.125%
HK$49,564
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,128/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,603/mo
Today · 4.125%
HK$53,903
baseline
▲ 0.50% · 4.625%
HK$57,183
+HK$3,280/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,806/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,941
−HK$1,536/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$62,612
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,176
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,017
−HK$1,870/mo
Today · 4.125%
HK$62,887
baseline
▲ 0.50% · 4.625%
HK$66,713
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,774/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,833
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,598
−HK$1,791/mo
Today · 4.125%
HK$69,389
baseline
▲ 0.50% · 4.625%
HK$73,047
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,778/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,083
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,450
−HK$2,404/mo
Today · 4.125%
HK$80,854
baseline
▲ 0.50% · 4.625%
HK$85,774
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,708/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,642
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,912
−HK$2,303/mo
Today · 4.125%
HK$89,215
baseline
▲ 0.50% · 4.625%
HK$93,917
+HK$4,702/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,430/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,128 · Scale 2, in force from 26 Feb 2026)