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$42,139
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,332/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,507
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,275/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,140
−HK$1,598/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$57,008
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,256
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,531/mo
Today · 4.125%
HK$59,295
baseline
▲ 0.50% · 4.625%
HK$62,420
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,590/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,995
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,830
−HK$1,865/mo
Today · 4.125%
HK$62,695
baseline
▲ 0.50% · 4.625%
HK$66,510
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,390/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,632
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,392
−HK$1,785/mo
Today · 4.125%
HK$69,177
baseline
▲ 0.50% · 4.625%
HK$72,824
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,354/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,851
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,210
−HK$2,397/mo
Today · 4.125%
HK$80,607
baseline
▲ 0.50% · 4.625%
HK$85,512
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,214/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,383
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,647
−HK$2,295/mo
Today · 4.125%
HK$88,942
baseline
▲ 0.50% · 4.625%
HK$93,631
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,884/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,005 · Scale 2, in force from 26 Feb 2026)