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$42,103
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,330/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,466
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,839
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,275/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,095
−HK$1,597/mo
Today · 4.125%
HK$53,692
baseline
▲ 0.50% · 4.625%
HK$56,959
+HK$3,267/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,384/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,207
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,714
−HK$1,530/mo
Today · 4.125%
HK$59,244
baseline
▲ 0.50% · 4.625%
HK$62,366
+HK$3,122/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,488/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,778
−HK$1,862/mo
Today · 4.125%
HK$62,640
baseline
▲ 0.50% · 4.625%
HK$66,452
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,280/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,575
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,333
−HK$1,785/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$72,761
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,785
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,143
−HK$2,395/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$85,438
+HK$4,900/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,310
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,571
−HK$2,294/mo
Today · 4.125%
HK$88,865
baseline
▲ 0.50% · 4.625%
HK$93,550
+HK$4,685/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,730/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,405 · Scale 2, in force from 26 Feb 2026)