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$42,251
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,565
−HK$1,336/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,278/mo
Today · 4.125%
HK$49,543
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,612/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,086/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,701
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,278
−HK$1,603/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,917
−HK$1,535/mo
Today · 4.125%
HK$59,452
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,904/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,152
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,991
−HK$1,870/mo
Today · 4.125%
HK$62,861
baseline
▲ 0.50% · 4.625%
HK$66,686
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,722/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,805
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,570
−HK$1,791/mo
Today · 4.125%
HK$69,361
baseline
▲ 0.50% · 4.625%
HK$73,017
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,722/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,052
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,418
−HK$2,403/mo
Today · 4.125%
HK$80,821
baseline
▲ 0.50% · 4.625%
HK$85,739
+HK$4,918/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,642/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,876
−HK$2,302/mo
Today · 4.125%
HK$89,178
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,356/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,842 · Scale 2, in force from 26 Feb 2026)