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$42,151
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,333/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,520
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,275/mo
Today · 4.125%
HK$49,426
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,852/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,582
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,599/mo
Today · 4.125%
HK$53,754
baseline
▲ 0.50% · 4.625%
HK$57,024
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,508/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,272
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,781
−HK$1,531/mo
Today · 4.125%
HK$59,312
baseline
▲ 0.50% · 4.625%
HK$62,438
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,624/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,012
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,847
−HK$1,865/mo
Today · 4.125%
HK$62,712
baseline
▲ 0.50% · 4.625%
HK$66,528
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,424/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,650
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,411
−HK$1,786/mo
Today · 4.125%
HK$69,197
baseline
▲ 0.50% · 4.625%
HK$72,844
+HK$3,647/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,394/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,872
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,232
−HK$2,398/mo
Today · 4.125%
HK$80,630
baseline
▲ 0.50% · 4.625%
HK$85,536
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,260/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,407
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,671
−HK$2,297/mo
Today · 4.125%
HK$88,968
baseline
▲ 0.50% · 4.625%
HK$93,657
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,936/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,201 · Scale 2, in force from 26 Feb 2026)