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$42,246
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,335/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,627
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,998
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,278/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,695
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,272
−HK$1,602/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$57,152
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,398
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,910
−HK$1,535/mo
Today · 4.125%
HK$59,445
baseline
▲ 0.50% · 4.625%
HK$62,578
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,890/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,144
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,984
−HK$1,869/mo
Today · 4.125%
HK$62,853
baseline
▲ 0.50% · 4.625%
HK$66,677
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,706/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,797
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,562
−HK$1,790/mo
Today · 4.125%
HK$69,352
baseline
▲ 0.50% · 4.625%
HK$73,008
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,704/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,403/mo
Today · 4.125%
HK$80,811
baseline
▲ 0.50% · 4.625%
HK$85,728
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,622/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,596
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,865
−HK$2,302/mo
Today · 4.125%
HK$89,167
baseline
▲ 0.50% · 4.625%
HK$93,867
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,334/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,755 · Scale 2, in force from 26 Feb 2026)