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$42,108
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,331/mo
Today · 4.125%
HK$44,749
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,498/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,845
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,101
−HK$1,275/mo
Today · 4.125%
HK$49,376
baseline
▲ 0.50% · 4.625%
HK$51,978
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,752/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,530
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,101
−HK$1,597/mo
Today · 4.125%
HK$53,698
baseline
▲ 0.50% · 4.625%
HK$56,966
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,396/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,214
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,530/mo
Today · 4.125%
HK$59,251
baseline
▲ 0.50% · 4.625%
HK$62,374
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,502/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,951
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,863/mo
Today · 4.125%
HK$62,648
baseline
▲ 0.50% · 4.625%
HK$66,460
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,296/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,583
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,342
−HK$1,784/mo
Today · 4.125%
HK$69,126
baseline
▲ 0.50% · 4.625%
HK$72,770
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,252/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,152
−HK$2,396/mo
Today · 4.125%
HK$80,548
baseline
▲ 0.50% · 4.625%
HK$85,449
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,096/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,321
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,582
−HK$2,294/mo
Today · 4.125%
HK$88,876
baseline
▲ 0.50% · 4.625%
HK$93,561
+HK$4,685/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,752/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,489 · Scale 2, in force from 26 Feb 2026)