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$42,058
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,329/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,789
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,273/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$51,916
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,469
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,595/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,528/mo
Today · 4.125%
HK$59,180
baseline
▲ 0.50% · 4.625%
HK$62,299
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,360/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,881
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,712
−HK$1,861/mo
Today · 4.125%
HK$62,573
baseline
▲ 0.50% · 4.625%
HK$66,380
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,146/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,504
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,261
−HK$1,782/mo
Today · 4.125%
HK$69,043
baseline
▲ 0.50% · 4.625%
HK$72,682
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,086/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,704
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,058
−HK$2,393/mo
Today · 4.125%
HK$80,451
baseline
▲ 0.50% · 4.625%
HK$85,346
+HK$4,895/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,902/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,292/mo
Today · 4.125%
HK$88,770
baseline
▲ 0.50% · 4.625%
HK$93,449
+HK$4,679/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,540/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,658 · Scale 2, in force from 26 Feb 2026)