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$42,131
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,442
−HK$1,331/mo
Today · 4.125%
HK$44,773
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,546/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,276/mo
Today · 4.125%
HK$49,403
baseline
▲ 0.50% · 4.625%
HK$52,007
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,806/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,557
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,598/mo
Today · 4.125%
HK$53,728
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,456/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,244
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,753
−HK$1,530/mo
Today · 4.125%
HK$59,283
baseline
▲ 0.50% · 4.625%
HK$62,408
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,566/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,984
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,818
−HK$1,864/mo
Today · 4.125%
HK$62,682
baseline
▲ 0.50% · 4.625%
HK$66,496
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,364/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,378
−HK$1,786/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$72,809
+HK$3,645/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,836
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,195
−HK$2,397/mo
Today · 4.125%
HK$80,592
baseline
▲ 0.50% · 4.625%
HK$85,495
+HK$4,903/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,184/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,367
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,629
−HK$2,296/mo
Today · 4.125%
HK$88,925
baseline
▲ 0.50% · 4.625%
HK$93,612
+HK$4,687/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,850/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,868 · Scale 2, in force from 26 Feb 2026)