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$42,119
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,429
−HK$1,331/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,275/mo
Today · 4.125%
HK$49,388
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,776/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,543
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,115
−HK$1,597/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,228
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,530/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,124/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,966
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,801
−HK$1,863/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,599
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$1,785/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$72,788
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,814
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,172
−HK$2,396/mo
Today · 4.125%
HK$80,568
baseline
▲ 0.50% · 4.625%
HK$85,470
+HK$4,902/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,136/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,342
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,604
−HK$2,295/mo
Today · 4.125%
HK$88,899
baseline
▲ 0.50% · 4.625%
HK$93,585
+HK$4,686/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,798/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,667 · Scale 2, in force from 26 Feb 2026)