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$42,231
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,335/mo
Today · 4.125%
HK$44,879
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,758/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,981
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,278/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,130
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,677
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,602/mo
Today · 4.125%
HK$53,855
baseline
▲ 0.50% · 4.625%
HK$57,132
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,710/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,377
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,889
−HK$1,534/mo
Today · 4.125%
HK$59,423
baseline
▲ 0.50% · 4.625%
HK$62,555
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,846/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,123
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,962
−HK$1,868/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,774
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,538
−HK$1,789/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,015
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,380
−HK$2,402/mo
Today · 4.125%
HK$80,782
baseline
▲ 0.50% · 4.625%
HK$85,697
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,564/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,566
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,834
−HK$2,301/mo
Today · 4.125%
HK$89,135
baseline
▲ 0.50% · 4.625%
HK$93,833
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,270/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,504 · Scale 2, in force from 26 Feb 2026)