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$42,145
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,332/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,513
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,886
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,276/mo
Today · 4.125%
HK$49,419
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,838/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,574
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,147
−HK$1,598/mo
Today · 4.125%
HK$53,745
baseline
▲ 0.50% · 4.625%
HK$57,015
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,490/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,772
−HK$1,530/mo
Today · 4.125%
HK$59,302
baseline
▲ 0.50% · 4.625%
HK$62,428
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,604/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,003
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,838
−HK$1,865/mo
Today · 4.125%
HK$62,703
baseline
▲ 0.50% · 4.625%
HK$66,518
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,406/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,640
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,400
−HK$1,786/mo
Today · 4.125%
HK$69,186
baseline
▲ 0.50% · 4.625%
HK$72,833
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,372/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,860
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,398/mo
Today · 4.125%
HK$80,618
baseline
▲ 0.50% · 4.625%
HK$85,523
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,236/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,394
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,657
−HK$2,297/mo
Today · 4.125%
HK$88,954
baseline
▲ 0.50% · 4.625%
HK$93,642
+HK$4,688/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,908/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,092 · Scale 2, in force from 26 Feb 2026)