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$42,218
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,334/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,967
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,227
−HK$1,278/mo
Today · 4.125%
HK$49,505
baseline
▲ 0.50% · 4.625%
HK$52,114
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,010/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,662
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,238
−HK$1,601/mo
Today · 4.125%
HK$53,839
baseline
▲ 0.50% · 4.625%
HK$57,115
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,678/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,361
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,872
−HK$1,534/mo
Today · 4.125%
HK$59,406
baseline
▲ 0.50% · 4.625%
HK$62,537
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,812/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,105
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,944
−HK$1,868/mo
Today · 4.125%
HK$62,812
baseline
▲ 0.50% · 4.625%
HK$66,634
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,624/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,754
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,518
−HK$1,789/mo
Today · 4.125%
HK$69,307
baseline
▲ 0.50% · 4.625%
HK$72,960
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,614/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,992
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,402/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,672
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,541
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,808
−HK$2,300/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$93,805
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,298 · Scale 2, in force from 26 Feb 2026)