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$42,068
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,377
−HK$1,329/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,721/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,801
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,273/mo
Today · 4.125%
HK$49,329
baseline
▲ 0.50% · 4.625%
HK$51,929
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,658/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,482
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,596/mo
Today · 4.125%
HK$53,648
baseline
▲ 0.50% · 4.625%
HK$56,912
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,296/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,161
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,667
−HK$1,528/mo
Today · 4.125%
HK$59,195
baseline
▲ 0.50% · 4.625%
HK$62,315
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,390/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,896
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,728
−HK$1,861/mo
Today · 4.125%
HK$62,589
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,808/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,178/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,521
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,278
−HK$1,783/mo
Today · 4.125%
HK$69,061
baseline
▲ 0.50% · 4.625%
HK$72,701
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,122/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,393/mo
Today · 4.125%
HK$80,472
baseline
▲ 0.50% · 4.625%
HK$85,368
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,944/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,241
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,292/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$93,473
+HK$4,680/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,838 · Scale 2, in force from 26 Feb 2026)