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$42,225
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,539
−HK$1,334/mo
Today · 4.125%
HK$44,873
baseline
▲ 0.50% · 4.625%
HK$47,604
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,746/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,975
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,235
−HK$1,278/mo
Today · 4.125%
HK$49,513
baseline
▲ 0.50% · 4.625%
HK$52,123
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,026/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,671
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,601/mo
Today · 4.125%
HK$53,848
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,696/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,371
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,882
−HK$1,534/mo
Today · 4.125%
HK$59,416
baseline
▲ 0.50% · 4.625%
HK$62,548
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,832/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,116
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,955
−HK$1,868/mo
Today · 4.125%
HK$62,823
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,822/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,646/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,766
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,529
−HK$1,790/mo
Today · 4.125%
HK$69,319
baseline
▲ 0.50% · 4.625%
HK$72,973
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,638/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,006
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,370
−HK$2,402/mo
Today · 4.125%
HK$80,772
baseline
▲ 0.50% · 4.625%
HK$85,687
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,544/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,556
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,824
−HK$2,300/mo
Today · 4.125%
HK$89,124
baseline
▲ 0.50% · 4.625%
HK$93,822
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,248/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,420 · Scale 2, in force from 26 Feb 2026)