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$42,148
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,332/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,516
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,276/mo
Today · 4.125%
HK$49,422
baseline
▲ 0.50% · 4.625%
HK$52,027
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,844/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,577
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,151
−HK$1,598/mo
Today · 4.125%
HK$53,749
baseline
▲ 0.50% · 4.625%
HK$57,019
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,498/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,267
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,776
−HK$1,531/mo
Today · 4.125%
HK$59,307
baseline
▲ 0.50% · 4.625%
HK$62,433
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,614/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,842
−HK$1,865/mo
Today · 4.125%
HK$62,707
baseline
▲ 0.50% · 4.625%
HK$66,523
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,414/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,405
−HK$1,786/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$72,838
+HK$3,647/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,866
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,226
−HK$2,397/mo
Today · 4.125%
HK$80,623
baseline
▲ 0.50% · 4.625%
HK$85,529
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,246/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,400
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,664
−HK$2,296/mo
Today · 4.125%
HK$88,960
baseline
▲ 0.50% · 4.625%
HK$93,649
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,920/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,142 · Scale 2, in force from 26 Feb 2026)