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$42,389
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,340/mo
Today · 4.125%
HK$45,047
baseline
▲ 0.50% · 4.625%
HK$47,788
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,094/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,157
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,422
−HK$1,283/mo
Today · 4.125%
HK$49,705
baseline
▲ 0.50% · 4.625%
HK$52,325
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,410/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,866
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,449
−HK$1,607/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,106
−HK$1,540/mo
Today · 4.125%
HK$59,646
baseline
▲ 0.50% · 4.625%
HK$62,790
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,292/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,344
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,190
−HK$1,875/mo
Today · 4.125%
HK$63,065
baseline
▲ 0.50% · 4.625%
HK$66,903
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,130/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,020
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,790
−HK$1,797/mo
Today · 4.125%
HK$69,587
baseline
▲ 0.50% · 4.625%
HK$73,255
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,174/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,673
−HK$2,411/mo
Today · 4.125%
HK$81,084
baseline
▲ 0.50% · 4.625%
HK$86,018
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,168/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,882
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,159
−HK$2,309/mo
Today · 4.125%
HK$89,468
baseline
▲ 0.50% · 4.625%
HK$94,184
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,936/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,103 · Scale 2, in force from 26 Feb 2026)