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$42,336
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,653
−HK$1,338/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,982/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,099
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,281/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,260
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,803
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,384
−HK$1,605/mo
Today · 4.125%
HK$53,989
baseline
▲ 0.50% · 4.625%
HK$57,274
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,978/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,518
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,034
−HK$1,538/mo
Today · 4.125%
HK$59,572
baseline
▲ 0.50% · 4.625%
HK$62,712
+HK$3,140/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,144/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,271
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,114
−HK$1,874/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,820
+HK$3,832/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,938
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,706
−HK$1,794/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,164
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,205
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,408/mo
Today · 4.125%
HK$80,984
baseline
▲ 0.50% · 4.625%
HK$85,912
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,968/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,778
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,051
−HK$2,307/mo
Today · 4.125%
HK$89,358
baseline
▲ 0.50% · 4.625%
HK$94,068
+HK$4,710/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,716/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,242 · Scale 2, in force from 26 Feb 2026)