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$42,111
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,331/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,848
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,104
−HK$1,275/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,603/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,533
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,597/mo
Today · 4.125%
HK$53,702
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,404/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,218
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,725
−HK$1,530/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,378
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,955
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,789
−HK$1,863/mo
Today · 4.125%
HK$62,652
baseline
▲ 0.50% · 4.625%
HK$66,465
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,304/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,587
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,346
−HK$1,785/mo
Today · 4.125%
HK$69,131
baseline
▲ 0.50% · 4.625%
HK$72,775
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,262/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,800
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,158
−HK$2,395/mo
Today · 4.125%
HK$80,553
baseline
▲ 0.50% · 4.625%
HK$85,454
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,106/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,326
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,588
−HK$2,294/mo
Today · 4.125%
HK$88,882
baseline
▲ 0.50% · 4.625%
HK$93,567
+HK$4,685/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,764/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,537 · Scale 2, in force from 26 Feb 2026)