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$42,254
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,569
−HK$1,335/mo
Today · 4.125%
HK$44,904
baseline
▲ 0.50% · 4.625%
HK$47,636
+HK$2,732/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,808/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,007
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,268
−HK$1,279/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,282
−HK$1,603/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$57,163
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,409
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,922
−HK$1,534/mo
Today · 4.125%
HK$59,456
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,912/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,156
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,996
−HK$1,870/mo
Today · 4.125%
HK$62,866
baseline
▲ 0.50% · 4.625%
HK$66,691
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,732/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,810
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$1,791/mo
Today · 4.125%
HK$69,366
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,732/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,058
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,423
−HK$2,404/mo
Today · 4.125%
HK$80,827
baseline
▲ 0.50% · 4.625%
HK$85,745
+HK$4,918/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,654/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,613
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,883
−HK$2,302/mo
Today · 4.125%
HK$89,185
baseline
▲ 0.50% · 4.625%
HK$93,886
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,370/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,893 · Scale 2, in force from 26 Feb 2026)