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$42,137
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,332/mo
Today · 4.125%
HK$44,779
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,558/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,877
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,134
−HK$1,275/mo
Today · 4.125%
HK$49,409
baseline
▲ 0.50% · 4.625%
HK$52,014
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,818/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,598/mo
Today · 4.125%
HK$53,735
baseline
▲ 0.50% · 4.625%
HK$57,004
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,470/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,252
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,761
−HK$1,530/mo
Today · 4.125%
HK$59,291
baseline
▲ 0.50% · 4.625%
HK$62,416
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,582/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,991
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,865/mo
Today · 4.125%
HK$62,691
baseline
▲ 0.50% · 4.625%
HK$66,505
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,382/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,627
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,387
−HK$1,786/mo
Today · 4.125%
HK$69,173
baseline
▲ 0.50% · 4.625%
HK$72,819
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,346/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,846
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,205
−HK$2,397/mo
Today · 4.125%
HK$80,602
baseline
▲ 0.50% · 4.625%
HK$85,507
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,204/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,378
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,641
−HK$2,296/mo
Today · 4.125%
HK$88,937
baseline
▲ 0.50% · 4.625%
HK$93,625
+HK$4,688/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,874/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,960 · Scale 2, in force from 26 Feb 2026)