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$42,053
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,361
−HK$1,329/mo
Today · 4.125%
HK$44,690
baseline
▲ 0.50% · 4.625%
HK$47,409
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,380/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,784
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,038
−HK$1,273/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$51,910
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,464
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,033
−HK$1,595/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,140
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,527/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,292
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,874
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,706
−HK$1,860/mo
Today · 4.125%
HK$62,566
baseline
▲ 0.50% · 4.625%
HK$66,373
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,132/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,497
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,254
−HK$1,782/mo
Today · 4.125%
HK$69,036
baseline
▲ 0.50% · 4.625%
HK$72,675
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,072/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,695
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,050
−HK$2,392/mo
Today · 4.125%
HK$80,442
baseline
▲ 0.50% · 4.625%
HK$85,337
+HK$4,895/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,884/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,210
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,469
−HK$2,291/mo
Today · 4.125%
HK$88,760
baseline
▲ 0.50% · 4.625%
HK$93,439
+HK$4,679/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,520/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,584 · Scale 2, in force from 26 Feb 2026)