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$42,023
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,328/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,003
−HK$1,272/mo
Today · 4.125%
HK$49,275
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,598/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,550/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,427
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,996
−HK$1,593/mo
Today · 4.125%
HK$53,589
baseline
▲ 0.50% · 4.625%
HK$56,850
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,178/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,100
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,604
−HK$1,526/mo
Today · 4.125%
HK$59,130
baseline
▲ 0.50% · 4.625%
HK$62,247
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,260/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,832
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,661
−HK$1,860/mo
Today · 4.125%
HK$62,521
baseline
▲ 0.50% · 4.625%
HK$66,325
+HK$3,804/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,042/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,449
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,205
−HK$1,780/mo
Today · 4.125%
HK$68,985
baseline
▲ 0.50% · 4.625%
HK$72,622
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,970/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,641
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,993
−HK$2,391/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$85,275
+HK$4,891/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,149
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,406
−HK$2,290/mo
Today · 4.125%
HK$88,696
baseline
▲ 0.50% · 4.625%
HK$93,371
+HK$4,675/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,392/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,082 · Scale 2, in force from 26 Feb 2026)