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$42,041
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,329/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,395
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,770
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,273/mo
Today · 4.125%
HK$49,297
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,594/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,449
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,018
−HK$1,594/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,874
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,124
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,527/mo
Today · 4.125%
HK$59,156
baseline
▲ 0.50% · 4.625%
HK$62,274
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,312/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,857
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,688
−HK$1,860/mo
Today · 4.125%
HK$62,548
baseline
▲ 0.50% · 4.625%
HK$66,353
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,096/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,478
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,234
−HK$1,781/mo
Today · 4.125%
HK$69,015
baseline
▲ 0.50% · 4.625%
HK$72,653
+HK$3,638/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,030/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,673
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,027
−HK$2,391/mo
Today · 4.125%
HK$80,418
baseline
▲ 0.50% · 4.625%
HK$85,312
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,836/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,185
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,443
−HK$2,291/mo
Today · 4.125%
HK$88,734
baseline
▲ 0.50% · 4.625%
HK$93,411
+HK$4,677/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,468/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,379 · Scale 2, in force from 26 Feb 2026)