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$42,159
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,332/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,902
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,276/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,165
−HK$1,599/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$3,271/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,282
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,531/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,023
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,859
−HK$1,866/mo
Today · 4.125%
HK$62,725
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,450/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,663
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,424
−HK$1,786/mo
Today · 4.125%
HK$69,210
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,420/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,887
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,398/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,424
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,297/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$93,675
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,335 · Scale 2, in force from 26 Feb 2026)