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$42,044
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,329/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,399
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,773
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,028
−HK$1,272/mo
Today · 4.125%
HK$49,300
baseline
▲ 0.50% · 4.625%
HK$51,899
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,600/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,452
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,022
−HK$1,594/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,879
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,128
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,633
−HK$1,527/mo
Today · 4.125%
HK$59,160
baseline
▲ 0.50% · 4.625%
HK$62,279
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,320/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,861
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,692
−HK$1,860/mo
Today · 4.125%
HK$62,552
baseline
▲ 0.50% · 4.625%
HK$66,358
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,104/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,482
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,239
−HK$1,781/mo
Today · 4.125%
HK$69,020
baseline
▲ 0.50% · 4.625%
HK$72,658
+HK$3,638/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,040/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,679
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,033
−HK$2,391/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$85,318
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,450
−HK$2,290/mo
Today · 4.125%
HK$88,740
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,480/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,430 · Scale 2, in force from 26 Feb 2026)