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$42,073
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,329/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,432
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,061
−HK$1,273/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,935
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,058
−HK$1,595/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,918
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,167
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,528/mo
Today · 4.125%
HK$59,201
baseline
▲ 0.50% · 4.625%
HK$62,322
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,402/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,902
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,734
−HK$1,862/mo
Today · 4.125%
HK$62,596
baseline
▲ 0.50% · 4.625%
HK$66,404
+HK$3,808/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,192/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,528
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,285
−HK$1,783/mo
Today · 4.125%
HK$69,068
baseline
▲ 0.50% · 4.625%
HK$72,709
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,136/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,731
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,087
−HK$2,393/mo
Today · 4.125%
HK$80,480
baseline
▲ 0.50% · 4.625%
HK$85,377
+HK$4,897/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,960/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,250
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,510
−HK$2,292/mo
Today · 4.125%
HK$88,802
baseline
▲ 0.50% · 4.625%
HK$93,483
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,604/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,910 · Scale 2, in force from 26 Feb 2026)