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$42,325
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,642
−HK$1,337/mo
Today · 4.125%
HK$44,979
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,958/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,086
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,349
−HK$1,281/mo
Today · 4.125%
HK$49,630
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,260/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,605/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$57,260
+HK$3,285/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,504
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,537/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$62,696
+HK$3,140/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,255
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,098
−HK$1,873/mo
Today · 4.125%
HK$62,971
baseline
▲ 0.50% · 4.625%
HK$66,803
+HK$3,832/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,942/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,921
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,689
−HK$1,793/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,145
+HK$3,663/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,555
−HK$2,408/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,889
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,755
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,029
−HK$2,306/mo
Today · 4.125%
HK$89,335
baseline
▲ 0.50% · 4.625%
HK$94,043
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,670/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,060 · Scale 2, in force from 26 Feb 2026)