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$42,104
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,331/mo
Today · 4.125%
HK$44,744
baseline
▲ 0.50% · 4.625%
HK$47,466
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,488/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,840
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,274/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$51,973
+HK$2,603/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,096
−HK$1,597/mo
Today · 4.125%
HK$53,693
baseline
▲ 0.50% · 4.625%
HK$56,960
+HK$3,267/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,386/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,208
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,715
−HK$1,530/mo
Today · 4.125%
HK$59,245
baseline
▲ 0.50% · 4.625%
HK$62,367
+HK$3,122/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,490/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,779
−HK$1,862/mo
Today · 4.125%
HK$62,641
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,282/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,576
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,334
−HK$1,785/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,787
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,551
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,416 · Scale 2, in force from 26 Feb 2026)