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$42,035
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,328/mo
Today · 4.125%
HK$44,671
baseline
▲ 0.50% · 4.625%
HK$47,389
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,342/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,764
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,018
−HK$1,272/mo
Today · 4.125%
HK$49,290
baseline
▲ 0.50% · 4.625%
HK$51,888
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,580/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,442
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,011
−HK$1,594/mo
Today · 4.125%
HK$53,605
baseline
▲ 0.50% · 4.625%
HK$56,867
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,210/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,116
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,621
−HK$1,527/mo
Today · 4.125%
HK$59,148
baseline
▲ 0.50% · 4.625%
HK$62,266
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,296/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,849
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,680
−HK$1,859/mo
Today · 4.125%
HK$62,539
baseline
▲ 0.50% · 4.625%
HK$66,345
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,078/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,469
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,225
−HK$1,781/mo
Today · 4.125%
HK$69,006
baseline
▲ 0.50% · 4.625%
HK$72,644
+HK$3,638/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$138,012/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,663
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,017
−HK$2,391/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$85,301
+HK$4,893/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,174
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,432
−HK$2,290/mo
Today · 4.125%
HK$88,722
baseline
▲ 0.50% · 4.625%
HK$93,399
+HK$4,677/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,444/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,289 · Scale 2, in force from 26 Feb 2026)