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$42,214
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,528
−HK$1,334/mo
Today · 4.125%
HK$44,862
baseline
▲ 0.50% · 4.625%
HK$47,591
+HK$2,729/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,724/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,223
−HK$1,277/mo
Today · 4.125%
HK$49,500
baseline
▲ 0.50% · 4.625%
HK$52,110
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,000/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,601/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,534/mo
Today · 4.125%
HK$59,401
baseline
▲ 0.50% · 4.625%
HK$62,532
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,802/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,867/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,628
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,512
−HK$1,789/mo
Today · 4.125%
HK$69,301
baseline
▲ 0.50% · 4.625%
HK$72,954
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,602/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,986
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,350
−HK$2,401/mo
Today · 4.125%
HK$80,751
baseline
▲ 0.50% · 4.625%
HK$85,665
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,502/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,534
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,801
−HK$2,300/mo
Today · 4.125%
HK$89,101
baseline
▲ 0.50% · 4.625%
HK$93,797
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,202/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,240 · Scale 2, in force from 26 Feb 2026)