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$42,222
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,535
−HK$1,335/mo
Today · 4.125%
HK$44,870
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,740/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,971
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,278/mo
Today · 4.125%
HK$49,509
baseline
▲ 0.50% · 4.625%
HK$52,119
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,018/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,601/mo
Today · 4.125%
HK$53,843
baseline
▲ 0.50% · 4.625%
HK$57,120
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,686/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,366
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,877
−HK$1,534/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,111
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,868/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,640
+HK$3,823/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,760
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$1,789/mo
Today · 4.125%
HK$69,313
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,626/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,999
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,363
−HK$2,402/mo
Today · 4.125%
HK$80,765
baseline
▲ 0.50% · 4.625%
HK$85,679
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,530/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,548
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,816
−HK$2,300/mo
Today · 4.125%
HK$89,116
baseline
▲ 0.50% · 4.625%
HK$93,814
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,232/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,360 · Scale 2, in force from 26 Feb 2026)