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$42,154
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,332/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,523
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,896
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,276/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,035
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,585
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,599/mo
Today · 4.125%
HK$53,757
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$3,271/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,514/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,784
−HK$1,531/mo
Today · 4.125%
HK$59,315
baseline
▲ 0.50% · 4.625%
HK$62,442
+HK$3,127/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,630/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,851
−HK$1,865/mo
Today · 4.125%
HK$62,716
baseline
▲ 0.50% · 4.625%
HK$66,533
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,432/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,654
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,415
−HK$1,786/mo
Today · 4.125%
HK$69,201
baseline
▲ 0.50% · 4.625%
HK$72,849
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,402/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,877
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,237
−HK$2,398/mo
Today · 4.125%
HK$80,635
baseline
▲ 0.50% · 4.625%
HK$85,542
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,270/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,413
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,677
−HK$2,296/mo
Today · 4.125%
HK$88,973
baseline
▲ 0.50% · 4.625%
HK$93,663
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,946/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,245 · Scale 2, in force from 26 Feb 2026)