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$42,099
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,408
−HK$1,331/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,461
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,274/mo
Today · 4.125%
HK$49,365
baseline
▲ 0.50% · 4.625%
HK$51,967
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,730/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,519
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,090
−HK$1,597/mo
Today · 4.125%
HK$53,687
baseline
▲ 0.50% · 4.625%
HK$56,953
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,374/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,202
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,709
−HK$1,529/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,361
+HK$3,123/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,939
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,772
−HK$1,863/mo
Today · 4.125%
HK$62,635
baseline
▲ 0.50% · 4.625%
HK$66,446
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,270/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,569
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,327
−HK$1,784/mo
Today · 4.125%
HK$69,111
baseline
▲ 0.50% · 4.625%
HK$72,754
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,222/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,778
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,135
−HK$2,395/mo
Today · 4.125%
HK$80,530
baseline
▲ 0.50% · 4.625%
HK$85,430
+HK$4,900/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,060/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,302
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,563
−HK$2,294/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$93,541
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,340 · Scale 2, in force from 26 Feb 2026)