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$42,284
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,336/mo
Today · 4.125%
HK$44,936
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,872/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,041
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,303
−HK$1,280/mo
Today · 4.125%
HK$49,583
baseline
▲ 0.50% · 4.625%
HK$52,196
+HK$2,613/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,166/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,741
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,320
−HK$1,603/mo
Today · 4.125%
HK$53,923
baseline
▲ 0.50% · 4.625%
HK$57,204
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,846/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,449
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,963
−HK$1,536/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,040
−HK$1,871/mo
Today · 4.125%
HK$62,911
baseline
▲ 0.50% · 4.625%
HK$66,738
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,822/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,857
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,624
−HK$1,792/mo
Today · 4.125%
HK$69,416
baseline
▲ 0.50% · 4.625%
HK$73,075
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,832/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,112
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,480
−HK$2,405/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,807
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,674
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,945
−HK$2,304/mo
Today · 4.125%
HK$89,249
baseline
▲ 0.50% · 4.625%
HK$93,953
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,498/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,391 · Scale 2, in force from 26 Feb 2026)