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$42,339
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,338/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,282/mo
Today · 4.125%
HK$49,647
baseline
▲ 0.50% · 4.625%
HK$52,264
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,294/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,807
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,387
−HK$1,606/mo
Today · 4.125%
HK$53,993
baseline
▲ 0.50% · 4.625%
HK$57,278
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,986/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,522
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,038
−HK$1,538/mo
Today · 4.125%
HK$59,576
baseline
▲ 0.50% · 4.625%
HK$62,716
+HK$3,140/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,152/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,275
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,119
−HK$1,873/mo
Today · 4.125%
HK$62,992
baseline
▲ 0.50% · 4.625%
HK$66,825
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,984/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,943
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,711
−HK$1,794/mo
Today · 4.125%
HK$69,505
baseline
▲ 0.50% · 4.625%
HK$73,169
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,010/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,211
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,581
−HK$2,409/mo
Today · 4.125%
HK$80,990
baseline
▲ 0.50% · 4.625%
HK$85,918
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,980/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,784
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,057
−HK$2,307/mo
Today · 4.125%
HK$89,364
baseline
▲ 0.50% · 4.625%
HK$94,075
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,728/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,291 · Scale 2, in force from 26 Feb 2026)