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$42,256
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,335/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,279/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,611/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,602/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,412
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,534/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$62,594
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,159
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,999
−HK$1,870/mo
Today · 4.125%
HK$62,869
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,738/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,814
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,579
−HK$1,790/mo
Today · 4.125%
HK$69,369
baseline
▲ 0.50% · 4.625%
HK$73,026
+HK$3,657/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,738/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,404/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,750
+HK$4,919/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,618
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,302/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$93,890
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,928 · Scale 2, in force from 26 Feb 2026)