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$42,130
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,440
−HK$1,332/mo
Today · 4.125%
HK$44,772
baseline
▲ 0.50% · 4.625%
HK$47,496
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,544/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,869
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,126
−HK$1,275/mo
Today · 4.125%
HK$49,401
baseline
▲ 0.50% · 4.625%
HK$52,005
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,802/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,556
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,129
−HK$1,597/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,995
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,751
−HK$1,531/mo
Today · 4.125%
HK$59,282
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,124/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,564/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,982
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,817
−HK$1,864/mo
Today · 4.125%
HK$62,681
baseline
▲ 0.50% · 4.625%
HK$66,495
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,362/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,617
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,377
−HK$1,785/mo
Today · 4.125%
HK$69,162
baseline
▲ 0.50% · 4.625%
HK$72,807
+HK$3,645/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,324/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,834
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,193
−HK$2,396/mo
Today · 4.125%
HK$80,589
baseline
▲ 0.50% · 4.625%
HK$85,493
+HK$4,904/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,178/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,364
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,627
−HK$2,295/mo
Today · 4.125%
HK$88,922
baseline
▲ 0.50% · 4.625%
HK$93,610
+HK$4,688/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,844/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,849 · Scale 2, in force from 26 Feb 2026)