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$42,208
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,334/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,585
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,277/mo
Today · 4.125%
HK$49,493
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$98,986/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,650
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,600/mo
Today · 4.125%
HK$53,826
baseline
▲ 0.50% · 4.625%
HK$57,101
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,652/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,348
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,859
−HK$1,533/mo
Today · 4.125%
HK$59,392
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,131/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,784/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,092
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,930
−HK$1,867/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,739
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,502
−HK$1,789/mo
Today · 4.125%
HK$69,291
baseline
▲ 0.50% · 4.625%
HK$72,943
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,582/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,975
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,338
−HK$2,401/mo
Today · 4.125%
HK$80,739
baseline
▲ 0.50% · 4.625%
HK$85,652
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,478/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,522
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,788
−HK$2,300/mo
Today · 4.125%
HK$89,088
baseline
▲ 0.50% · 4.625%
HK$93,784
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,176/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,139 · Scale 2, in force from 26 Feb 2026)