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$42,101
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,330/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,464
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,837
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,093
−HK$1,275/mo
Today · 4.125%
HK$49,368
baseline
▲ 0.50% · 4.625%
HK$51,970
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,736/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,597/mo
Today · 4.125%
HK$53,690
baseline
▲ 0.50% · 4.625%
HK$56,957
+HK$3,267/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,380/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,205
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,529/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,364
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,863/mo
Today · 4.125%
HK$62,638
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,276/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,572
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$1,784/mo
Today · 4.125%
HK$69,115
baseline
▲ 0.50% · 4.625%
HK$72,758
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,230/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,782
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,140
−HK$2,394/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$85,435
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,307
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,568
−HK$2,294/mo
Today · 4.125%
HK$88,862
baseline
▲ 0.50% · 4.625%
HK$93,546
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,724/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,377 · Scale 2, in force from 26 Feb 2026)