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$42,223
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,335/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,278/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,667
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,243
−HK$1,602/mo
Today · 4.125%
HK$53,845
baseline
▲ 0.50% · 4.625%
HK$57,121
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,690/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,367
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,879
−HK$1,533/mo
Today · 4.125%
HK$59,412
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,824/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,112
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,868/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,822/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$1,789/mo
Today · 4.125%
HK$69,314
baseline
▲ 0.50% · 4.625%
HK$72,968
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,628/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,001
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,365
−HK$2,402/mo
Today · 4.125%
HK$80,767
baseline
▲ 0.50% · 4.625%
HK$85,682
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,534/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,551
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,818
−HK$2,301/mo
Today · 4.125%
HK$89,119
baseline
▲ 0.50% · 4.625%
HK$93,816
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,238/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,377 · Scale 2, in force from 26 Feb 2026)