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$42,084
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,330/mo
Today · 4.125%
HK$44,723
baseline
▲ 0.50% · 4.625%
HK$47,444
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,446/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,818
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,274/mo
Today · 4.125%
HK$49,347
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,694/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,500
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,596/mo
Today · 4.125%
HK$53,667
baseline
▲ 0.50% · 4.625%
HK$56,933
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,334/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,181
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,688
−HK$1,528/mo
Today · 4.125%
HK$59,216
baseline
▲ 0.50% · 4.625%
HK$62,338
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,432/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,917
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,750
−HK$1,862/mo
Today · 4.125%
HK$62,612
baseline
▲ 0.50% · 4.625%
HK$66,422
+HK$3,810/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,224/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,545
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,303
−HK$1,783/mo
Today · 4.125%
HK$69,086
baseline
▲ 0.50% · 4.625%
HK$72,728
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,172/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,751
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,107
−HK$2,394/mo
Today · 4.125%
HK$80,501
baseline
▲ 0.50% · 4.625%
HK$85,399
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,002/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,272
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,532
−HK$2,293/mo
Today · 4.125%
HK$88,825
baseline
▲ 0.50% · 4.625%
HK$93,507
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,650/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,088 · Scale 2, in force from 26 Feb 2026)