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$42,338
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,655
−HK$1,338/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,101
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,281/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,262
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,606/mo
Today · 4.125%
HK$53,992
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,984/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,521
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,037
−HK$1,537/mo
Today · 4.125%
HK$59,574
baseline
▲ 0.50% · 4.625%
HK$62,715
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,148/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,273
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,117
−HK$1,873/mo
Today · 4.125%
HK$62,990
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,980/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,941
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,709
−HK$1,794/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,167
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,208
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,579
−HK$2,408/mo
Today · 4.125%
HK$80,987
baseline
▲ 0.50% · 4.625%
HK$85,915
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,974/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,781
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,055
−HK$2,307/mo
Today · 4.125%
HK$89,362
baseline
▲ 0.50% · 4.625%
HK$94,072
+HK$4,710/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,724/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,271 · Scale 2, in force from 26 Feb 2026)