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$42,138
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,332/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,505
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,878
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,135
−HK$1,275/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,015
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,598/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,530/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,418
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,993
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,828
−HK$1,864/mo
Today · 4.125%
HK$62,692
baseline
▲ 0.50% · 4.625%
HK$66,507
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,384/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,389
−HK$1,785/mo
Today · 4.125%
HK$69,174
baseline
▲ 0.50% · 4.625%
HK$72,821
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,348/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,848
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,207
−HK$2,397/mo
Today · 4.125%
HK$80,604
baseline
▲ 0.50% · 4.625%
HK$85,508
+HK$4,904/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,208/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,380
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,643
−HK$2,295/mo
Today · 4.125%
HK$88,938
baseline
▲ 0.50% · 4.625%
HK$93,626
+HK$4,688/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,876/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,974 · Scale 2, in force from 26 Feb 2026)