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$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,329/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,765
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,272/mo
Today · 4.125%
HK$49,292
baseline
▲ 0.50% · 4.625%
HK$51,890
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,584/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,444
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,013
−HK$1,594/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,869
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,118
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,623
−HK$1,527/mo
Today · 4.125%
HK$59,150
baseline
▲ 0.50% · 4.625%
HK$62,268
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,300/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,851
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,682
−HK$1,860/mo
Today · 4.125%
HK$62,542
baseline
▲ 0.50% · 4.625%
HK$66,347
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,084/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,471
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,227
−HK$1,782/mo
Today · 4.125%
HK$69,009
baseline
▲ 0.50% · 4.625%
HK$72,646
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$138,018/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,020
−HK$2,391/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,893/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,178
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,290/mo
Today · 4.125%
HK$88,725
baseline
▲ 0.50% · 4.625%
HK$93,402
+HK$4,677/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,450/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,315 · Scale 2, in force from 26 Feb 2026)