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$42,047
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,355
−HK$1,329/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,403
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,777
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,032
−HK$1,272/mo
Today · 4.125%
HK$49,304
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,608/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,595/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$3,262/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,638
−HK$1,527/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,866
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,697
−HK$1,861/mo
Today · 4.125%
HK$62,558
baseline
▲ 0.50% · 4.625%
HK$66,364
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,116/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,244
−HK$1,782/mo
Today · 4.125%
HK$69,026
baseline
▲ 0.50% · 4.625%
HK$72,665
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,052/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,685
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,039
−HK$2,392/mo
Today · 4.125%
HK$80,431
baseline
▲ 0.50% · 4.625%
HK$85,325
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,862/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,199
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,457
−HK$2,291/mo
Today · 4.125%
HK$88,748
baseline
▲ 0.50% · 4.625%
HK$93,426
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,496/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,489 · Scale 2, in force from 26 Feb 2026)