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$42,333
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,650
−HK$1,338/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,725
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,095
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,358
−HK$1,282/mo
Today · 4.125%
HK$49,640
baseline
▲ 0.50% · 4.625%
HK$52,256
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,280/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,800
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,380
−HK$1,606/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$57,270
+HK$3,284/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,514
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,030
−HK$1,538/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$62,708
+HK$3,140/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,267
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,110
−HK$1,873/mo
Today · 4.125%
HK$62,983
baseline
▲ 0.50% · 4.625%
HK$66,816
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,966/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,934
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,702
−HK$1,794/mo
Today · 4.125%
HK$69,496
baseline
▲ 0.50% · 4.625%
HK$73,159
+HK$3,663/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$138,992/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,200
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,570
−HK$2,408/mo
Today · 4.125%
HK$80,978
baseline
▲ 0.50% · 4.625%
HK$85,906
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,956/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,772
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,045
−HK$2,307/mo
Today · 4.125%
HK$89,352
baseline
▲ 0.50% · 4.625%
HK$94,061
+HK$4,709/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,704/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,194 · Scale 2, in force from 26 Feb 2026)