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$42,060
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,368
−HK$1,329/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,417
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,791
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,046
−HK$1,273/mo
Today · 4.125%
HK$49,319
baseline
▲ 0.50% · 4.625%
HK$51,919
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,638/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,472
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,042
−HK$1,595/mo
Today · 4.125%
HK$53,637
baseline
▲ 0.50% · 4.625%
HK$56,900
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,274/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,149
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,655
−HK$1,528/mo
Today · 4.125%
HK$59,183
baseline
▲ 0.50% · 4.625%
HK$62,302
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,366/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,884
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,861/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,808/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$1,783/mo
Today · 4.125%
HK$69,047
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,094/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,393/mo
Today · 4.125%
HK$80,455
baseline
▲ 0.50% · 4.625%
HK$85,350
+HK$4,895/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,910/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,224
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,483
−HK$2,291/mo
Today · 4.125%
HK$88,774
baseline
▲ 0.50% · 4.625%
HK$93,454
+HK$4,680/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,548/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,694 · Scale 2, in force from 26 Feb 2026)