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$42,142
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,331/mo
Today · 4.125%
HK$44,784
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,568/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,882
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,140
−HK$1,275/mo
Today · 4.125%
HK$49,415
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,830/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,570
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,143
−HK$1,598/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$57,011
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,259
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,767
−HK$1,531/mo
Today · 4.125%
HK$59,298
baseline
▲ 0.50% · 4.625%
HK$62,424
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,596/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,998
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,834
−HK$1,864/mo
Today · 4.125%
HK$62,698
baseline
▲ 0.50% · 4.625%
HK$66,513
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,396/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,635
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,395
−HK$1,786/mo
Today · 4.125%
HK$69,181
baseline
▲ 0.50% · 4.625%
HK$72,828
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,362/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,855
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,397/mo
Today · 4.125%
HK$80,612
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,224/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,388
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,651
−HK$2,296/mo
Today · 4.125%
HK$88,947
baseline
▲ 0.50% · 4.625%
HK$93,636
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,894/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,042 · Scale 2, in force from 26 Feb 2026)