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$42,278
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,336/mo
Today · 4.125%
HK$44,929
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,858/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,033
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,295
−HK$1,279/mo
Today · 4.125%
HK$49,574
baseline
▲ 0.50% · 4.625%
HK$52,188
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,148/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,603/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,440
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,954
−HK$1,535/mo
Today · 4.125%
HK$59,489
baseline
▲ 0.50% · 4.625%
HK$62,625
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$118,978/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,189
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,030
−HK$1,870/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,728
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,847
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,613
−HK$1,791/mo
Today · 4.125%
HK$69,404
baseline
▲ 0.50% · 4.625%
HK$73,063
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,808/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,100
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,467
−HK$2,405/mo
Today · 4.125%
HK$80,872
baseline
▲ 0.50% · 4.625%
HK$85,793
+HK$4,921/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,744/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,660
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,931
−HK$2,303/mo
Today · 4.125%
HK$89,234
baseline
▲ 0.50% · 4.625%
HK$93,938
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,468/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,277 · Scale 2, in force from 26 Feb 2026)