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$42,076
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,330/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,435
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,809
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,274/mo
Today · 4.125%
HK$49,338
baseline
▲ 0.50% · 4.625%
HK$51,938
+HK$2,600/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,676/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,061
−HK$1,596/mo
Today · 4.125%
HK$53,657
baseline
▲ 0.50% · 4.625%
HK$56,922
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,314/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,677
−HK$1,528/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,738
−HK$1,862/mo
Today · 4.125%
HK$62,600
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,200/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,532
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,290
−HK$1,783/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$72,713
+HK$3,640/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,736
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,092
−HK$2,393/mo
Today · 4.125%
HK$80,485
baseline
▲ 0.50% · 4.625%
HK$85,383
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,970/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,256
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,515
−HK$2,293/mo
Today · 4.125%
HK$88,808
baseline
▲ 0.50% · 4.625%
HK$93,489
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,616/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,955 · Scale 2, in force from 26 Feb 2026)