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$42,128
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,331/mo
Today · 4.125%
HK$44,769
baseline
▲ 0.50% · 4.625%
HK$47,493
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,538/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,123
−HK$1,275/mo
Today · 4.125%
HK$49,398
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,796/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,553
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,597/mo
Today · 4.125%
HK$53,723
baseline
▲ 0.50% · 4.625%
HK$56,992
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,446/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,240
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,530/mo
Today · 4.125%
HK$59,278
baseline
▲ 0.50% · 4.625%
HK$62,403
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,556/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,979
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,813
−HK$1,864/mo
Today · 4.125%
HK$62,677
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,354/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,613
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$1,785/mo
Today · 4.125%
HK$69,158
baseline
▲ 0.50% · 4.625%
HK$72,803
+HK$3,645/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,316/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,830
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,188
−HK$2,397/mo
Today · 4.125%
HK$80,585
baseline
▲ 0.50% · 4.625%
HK$85,488
+HK$4,903/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,170/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,360
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,622
−HK$2,295/mo
Today · 4.125%
HK$88,917
baseline
▲ 0.50% · 4.625%
HK$93,604
+HK$4,687/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,834/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,809 · Scale 2, in force from 26 Feb 2026)