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$42,256
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,335/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,638
+HK$2,732/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,279/mo
Today · 4.125%
HK$49,549
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,098/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,707
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,602/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,924
−HK$1,535/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$62,593
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,159
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,999
−HK$1,869/mo
Today · 4.125%
HK$62,868
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,736/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,813
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,578
−HK$1,791/mo
Today · 4.125%
HK$69,369
baseline
▲ 0.50% · 4.625%
HK$73,026
+HK$3,657/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,738/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,404/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,749
+HK$4,918/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,617
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,302/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$93,890
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,924 · Scale 2, in force from 26 Feb 2026)