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$2,638/mo
▼ 0.25% · 3.875%
HK$43,367
−HK$1,329/mo
Today · 4.125%
HK$44,696
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,392/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,789
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,273/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$51,917
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,470
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,595/mo
Today · 4.125%
HK$53,635
baseline
▲ 0.50% · 4.625%
HK$56,898
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,270/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,147
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,653
−HK$1,528/mo
Today · 4.125%
HK$59,181
baseline
▲ 0.50% · 4.625%
HK$62,300
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,362/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,882
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,713
−HK$1,861/mo
Today · 4.125%
HK$62,574
baseline
▲ 0.50% · 4.625%
HK$66,381
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,148/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,505
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,262
−HK$1,782/mo
Today · 4.125%
HK$69,044
baseline
▲ 0.50% · 4.625%
HK$72,684
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,088/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,705
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,060
−HK$2,392/mo
Today · 4.125%
HK$80,452
baseline
▲ 0.50% · 4.625%
HK$85,348
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,904/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,221
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,480
−HK$2,291/mo
Today · 4.125%
HK$88,771
baseline
▲ 0.50% · 4.625%
HK$93,450
+HK$4,679/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,542/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,671 · Scale 2, in force from 26 Feb 2026)