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$42,019
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,328/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,371
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,308/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,272/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,991
−HK$1,593/mo
Today · 4.125%
HK$53,584
baseline
▲ 0.50% · 4.625%
HK$56,845
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,168/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,094
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,526/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,241
+HK$3,116/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,826
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,859/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,804/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,443
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$1,780/mo
Today · 4.125%
HK$68,979
baseline
▲ 0.50% · 4.625%
HK$72,615
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,958/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,633
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,986
−HK$2,390/mo
Today · 4.125%
HK$80,376
baseline
▲ 0.50% · 4.625%
HK$85,267
+HK$4,891/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,752/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,141
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,289/mo
Today · 4.125%
HK$88,687
baseline
▲ 0.50% · 4.625%
HK$93,362
+HK$4,675/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,374/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,018 · Scale 2, in force from 26 Feb 2026)