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$42,342
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,338/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,735
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,105
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,369
−HK$1,281/mo
Today · 4.125%
HK$49,650
baseline
▲ 0.50% · 4.625%
HK$52,267
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,300/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,811
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,391
−HK$1,606/mo
Today · 4.125%
HK$53,997
baseline
▲ 0.50% · 4.625%
HK$57,283
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,994/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,526
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,042
−HK$1,538/mo
Today · 4.125%
HK$59,580
baseline
▲ 0.50% · 4.625%
HK$62,721
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,160/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,873/mo
Today · 4.125%
HK$62,996
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,992/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,947
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,716
−HK$1,794/mo
Today · 4.125%
HK$69,510
baseline
▲ 0.50% · 4.625%
HK$73,174
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,020/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,587
−HK$2,408/mo
Today · 4.125%
HK$80,995
baseline
▲ 0.50% · 4.625%
HK$85,924
+HK$4,929/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,990/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,790
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,064
−HK$2,307/mo
Today · 4.125%
HK$89,371
baseline
▲ 0.50% · 4.625%
HK$94,081
+HK$4,710/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,742/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,341 · Scale 2, in force from 26 Feb 2026)