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$42,118
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,331/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,723/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,856
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,275/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$51,990
+HK$2,603/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,541
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,113
−HK$1,598/mo
Today · 4.125%
HK$53,711
baseline
▲ 0.50% · 4.625%
HK$56,979
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,422/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,227
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,735
−HK$1,529/mo
Today · 4.125%
HK$59,264
baseline
▲ 0.50% · 4.625%
HK$62,388
+HK$3,124/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,528/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,965
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,799
−HK$1,863/mo
Today · 4.125%
HK$62,662
baseline
▲ 0.50% · 4.625%
HK$66,475
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,324/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,598
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$1,785/mo
Today · 4.125%
HK$69,142
baseline
▲ 0.50% · 4.625%
HK$72,786
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,284/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,812
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,170
−HK$2,396/mo
Today · 4.125%
HK$80,566
baseline
▲ 0.50% · 4.625%
HK$85,468
+HK$4,902/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,132/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,340
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,602
−HK$2,295/mo
Today · 4.125%
HK$88,897
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$4,685/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,794/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,648 · Scale 2, in force from 26 Feb 2026)