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$42,027
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,334
−HK$1,328/mo
Today · 4.125%
HK$44,662
baseline
▲ 0.50% · 4.625%
HK$47,380
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,324/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,754
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,008
−HK$1,272/mo
Today · 4.125%
HK$49,280
baseline
▲ 0.50% · 4.625%
HK$51,878
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,560/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,432
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,594/mo
Today · 4.125%
HK$53,595
baseline
▲ 0.50% · 4.625%
HK$56,856
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,190/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,105
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,526/mo
Today · 4.125%
HK$59,136
baseline
▲ 0.50% · 4.625%
HK$62,253
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,272/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,837
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,668
−HK$1,859/mo
Today · 4.125%
HK$62,527
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,054/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$1,780/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,648
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,001
−HK$2,391/mo
Today · 4.125%
HK$80,392
baseline
▲ 0.50% · 4.625%
HK$85,284
+HK$4,892/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,784/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,158
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,415
−HK$2,290/mo
Today · 4.125%
HK$88,705
baseline
▲ 0.50% · 4.625%
HK$93,380
+HK$4,675/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,410/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,152 · Scale 2, in force from 26 Feb 2026)