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$42,096
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,331/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,458
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,275/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,596/mo
Today · 4.125%
HK$53,683
baseline
▲ 0.50% · 4.625%
HK$56,950
+HK$3,267/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,366/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,529/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,356
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,934
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,862/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,564
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,322
−HK$1,784/mo
Today · 4.125%
HK$69,106
baseline
▲ 0.50% · 4.625%
HK$72,749
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,212/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,773
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,130
−HK$2,395/mo
Today · 4.125%
HK$80,525
baseline
▲ 0.50% · 4.625%
HK$85,424
+HK$4,899/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,050/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,297
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,557
−HK$2,294/mo
Today · 4.125%
HK$88,851
baseline
▲ 0.50% · 4.625%
HK$93,534
+HK$4,683/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,702/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,292 · Scale 2, in force from 26 Feb 2026)