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$42,097
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,331/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,275/mo
Today · 4.125%
HK$49,363
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,726/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,516
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,088
−HK$1,596/mo
Today · 4.125%
HK$53,684
baseline
▲ 0.50% · 4.625%
HK$56,951
+HK$3,267/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,368/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,706
−HK$1,529/mo
Today · 4.125%
HK$59,235
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,123/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,470/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,936
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,769
−HK$1,862/mo
Today · 4.125%
HK$62,631
baseline
▲ 0.50% · 4.625%
HK$66,442
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,262/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,565
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,324
−HK$1,784/mo
Today · 4.125%
HK$69,108
baseline
▲ 0.50% · 4.625%
HK$72,750
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,216/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,774
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,131
−HK$2,395/mo
Today · 4.125%
HK$80,526
baseline
▲ 0.50% · 4.625%
HK$85,426
+HK$4,900/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,052/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,298
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,559
−HK$2,294/mo
Today · 4.125%
HK$88,853
baseline
▲ 0.50% · 4.625%
HK$93,536
+HK$4,683/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,706/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,306 · Scale 2, in force from 26 Feb 2026)