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$42,303
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,337/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,281/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,218
+HK$2,614/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,342
−HK$1,604/mo
Today · 4.125%
HK$53,946
baseline
▲ 0.50% · 4.625%
HK$57,229
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,892/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,473
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,988
−HK$1,537/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$62,662
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,224
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,066
−HK$1,871/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,767
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,886
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,653
−HK$1,792/mo
Today · 4.125%
HK$69,445
baseline
▲ 0.50% · 4.625%
HK$73,106
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,890/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,145
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,513
−HK$2,407/mo
Today · 4.125%
HK$80,920
baseline
▲ 0.50% · 4.625%
HK$85,843
+HK$4,923/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,840/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,710
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,305/mo
Today · 4.125%
HK$89,287
baseline
▲ 0.50% · 4.625%
HK$93,993
+HK$4,706/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,574/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,689 · Scale 2, in force from 26 Feb 2026)