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$42,116
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,331/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,481
+HK$2,724/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,854
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,275/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$51,988
+HK$2,603/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,539
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,598/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,977
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,225
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,733
−HK$1,529/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,124/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,963
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,797
−HK$1,863/mo
Today · 4.125%
HK$62,660
baseline
▲ 0.50% · 4.625%
HK$66,473
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,320/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,355
−HK$1,784/mo
Today · 4.125%
HK$69,139
baseline
▲ 0.50% · 4.625%
HK$72,784
+HK$3,645/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,278/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,809
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,167
−HK$2,396/mo
Today · 4.125%
HK$80,563
baseline
▲ 0.50% · 4.625%
HK$85,465
+HK$4,902/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,126/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,337
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,599
−HK$2,294/mo
Today · 4.125%
HK$88,893
baseline
▲ 0.50% · 4.625%
HK$93,579
+HK$4,686/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,786/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,623 · Scale 2, in force from 26 Feb 2026)