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$42,106
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,330/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,469
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,842
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,274/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,603/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,597/mo
Today · 4.125%
HK$53,696
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$3,267/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,392/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,211
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,530/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,123/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,948
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,782
−HK$1,863/mo
Today · 4.125%
HK$62,645
baseline
▲ 0.50% · 4.625%
HK$66,457
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,290/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,579
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,338
−HK$1,784/mo
Today · 4.125%
HK$69,122
baseline
▲ 0.50% · 4.625%
HK$72,766
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,244/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,791
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,148
−HK$2,395/mo
Today · 4.125%
HK$80,543
baseline
▲ 0.50% · 4.625%
HK$85,444
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,086/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,316
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,578
−HK$2,294/mo
Today · 4.125%
HK$88,872
baseline
▲ 0.50% · 4.625%
HK$93,556
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,744/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,453 · Scale 2, in force from 26 Feb 2026)