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$42,226
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,334/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,976
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,236
−HK$1,278/mo
Today · 4.125%
HK$49,514
baseline
▲ 0.50% · 4.625%
HK$52,124
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,028/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,672
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,601/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$57,126
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,372
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,884
−HK$1,533/mo
Today · 4.125%
HK$59,417
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,834/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,117
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,868/mo
Today · 4.125%
HK$62,824
baseline
▲ 0.50% · 4.625%
HK$66,647
+HK$3,823/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,648/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,767
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,531
−HK$1,789/mo
Today · 4.125%
HK$69,320
baseline
▲ 0.50% · 4.625%
HK$72,974
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,640/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,007
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,372
−HK$2,402/mo
Today · 4.125%
HK$80,774
baseline
▲ 0.50% · 4.625%
HK$85,689
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,548/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,558
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,825
−HK$2,301/mo
Today · 4.125%
HK$89,126
baseline
▲ 0.50% · 4.625%
HK$93,824
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,252/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,435 · Scale 2, in force from 26 Feb 2026)