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$42,259
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,573
−HK$1,336/mo
Today · 4.125%
HK$44,909
baseline
▲ 0.50% · 4.625%
HK$47,641
+HK$2,732/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,818/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,013
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,273
−HK$1,280/mo
Today · 4.125%
HK$49,553
baseline
▲ 0.50% · 4.625%
HK$52,164
+HK$2,611/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,106/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,288
−HK$1,603/mo
Today · 4.125%
HK$53,891
baseline
▲ 0.50% · 4.625%
HK$57,170
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,782/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,415
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,928
−HK$1,535/mo
Today · 4.125%
HK$59,463
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,926/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,869/mo
Today · 4.125%
HK$62,872
baseline
▲ 0.50% · 4.625%
HK$66,698
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,744/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,818
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,583
−HK$1,791/mo
Today · 4.125%
HK$69,374
baseline
▲ 0.50% · 4.625%
HK$73,030
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,748/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,066
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,432
−HK$2,404/mo
Today · 4.125%
HK$80,836
baseline
▲ 0.50% · 4.625%
HK$85,755
+HK$4,919/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,672/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,623
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,892
−HK$2,303/mo
Today · 4.125%
HK$89,195
baseline
▲ 0.50% · 4.625%
HK$93,896
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,390/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,969 · Scale 2, in force from 26 Feb 2026)