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$42,274
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,336/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,659
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,030
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,291
−HK$1,280/mo
Today · 4.125%
HK$49,571
baseline
▲ 0.50% · 4.625%
HK$52,184
+HK$2,613/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,142/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,729
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,307
−HK$1,604/mo
Today · 4.125%
HK$53,911
baseline
▲ 0.50% · 4.625%
HK$57,191
+HK$3,280/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$107,822/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,436
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,949
−HK$1,536/mo
Today · 4.125%
HK$59,485
baseline
▲ 0.50% · 4.625%
HK$62,620
+HK$3,135/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$118,970/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,025
−HK$1,871/mo
Today · 4.125%
HK$62,896
baseline
▲ 0.50% · 4.625%
HK$66,723
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,792/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,842
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,608
−HK$1,791/mo
Today · 4.125%
HK$69,399
baseline
▲ 0.50% · 4.625%
HK$73,057
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,798/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,094
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,461
−HK$2,405/mo
Today · 4.125%
HK$80,866
baseline
▲ 0.50% · 4.625%
HK$85,786
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,732/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,654
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,303/mo
Today · 4.125%
HK$89,227
baseline
▲ 0.50% · 4.625%
HK$93,931
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,454/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,226 · Scale 2, in force from 26 Feb 2026)