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$42,081
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,329/mo
Today · 4.125%
HK$44,719
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,438/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,070
−HK$1,274/mo
Today · 4.125%
HK$49,344
baseline
▲ 0.50% · 4.625%
HK$51,944
+HK$2,600/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,688/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,497
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,595/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,929
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,177
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,684
−HK$1,528/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,913
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,862/mo
Today · 4.125%
HK$62,607
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,810/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,214/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,540
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,298
−HK$1,783/mo
Today · 4.125%
HK$69,081
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,162/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,101
−HK$2,394/mo
Today · 4.125%
HK$80,495
baseline
▲ 0.50% · 4.625%
HK$85,393
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,990/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,266
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,526
−HK$2,292/mo
Today · 4.125%
HK$88,818
baseline
▲ 0.50% · 4.625%
HK$93,500
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,636/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,039 · Scale 2, in force from 26 Feb 2026)