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$42,032
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,339
−HK$1,328/mo
Today · 4.125%
HK$44,667
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,334/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,760
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,014
−HK$1,272/mo
Today · 4.125%
HK$49,286
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,572/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,438
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,007
−HK$1,594/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,862
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,112
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,616
−HK$1,527/mo
Today · 4.125%
HK$59,143
baseline
▲ 0.50% · 4.625%
HK$62,261
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,286/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,844
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,860/mo
Today · 4.125%
HK$62,534
baseline
▲ 0.50% · 4.625%
HK$66,339
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,068/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,463
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,219
−HK$1,781/mo
Today · 4.125%
HK$69,000
baseline
▲ 0.50% · 4.625%
HK$72,637
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$138,000/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,657
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,010
−HK$2,391/mo
Today · 4.125%
HK$80,401
baseline
▲ 0.50% · 4.625%
HK$85,293
+HK$4,892/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,802/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,167
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,425
−HK$2,290/mo
Today · 4.125%
HK$88,715
baseline
▲ 0.50% · 4.625%
HK$93,391
+HK$4,676/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,430/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,230 · Scale 2, in force from 26 Feb 2026)