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$42,158
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,333/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,900
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,276/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,040
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,163
−HK$1,599/mo
Today · 4.125%
HK$53,762
baseline
▲ 0.50% · 4.625%
HK$57,033
+HK$3,271/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,524/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,280
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,790
−HK$1,531/mo
Today · 4.125%
HK$59,321
baseline
▲ 0.50% · 4.625%
HK$62,448
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,642/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,021
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,857
−HK$1,865/mo
Today · 4.125%
HK$62,722
baseline
▲ 0.50% · 4.625%
HK$66,539
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,444/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,660
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,421
−HK$1,787/mo
Today · 4.125%
HK$69,208
baseline
▲ 0.50% · 4.625%
HK$72,856
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,416/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,884
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,245
−HK$2,398/mo
Today · 4.125%
HK$80,643
baseline
▲ 0.50% · 4.625%
HK$85,550
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,286/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,420
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,684
−HK$2,297/mo
Today · 4.125%
HK$88,981
baseline
▲ 0.50% · 4.625%
HK$93,672
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,962/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,308 · Scale 2, in force from 26 Feb 2026)