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$42,230
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,334/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,981
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,278/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,129
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,601/mo
Today · 4.125%
HK$53,854
baseline
▲ 0.50% · 4.625%
HK$57,131
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,708/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,377
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,889
−HK$1,534/mo
Today · 4.125%
HK$59,423
baseline
▲ 0.50% · 4.625%
HK$62,555
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,846/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,961
−HK$1,869/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,537
−HK$1,790/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,014
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,379
−HK$2,402/mo
Today · 4.125%
HK$80,781
baseline
▲ 0.50% · 4.625%
HK$85,697
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,562/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,565
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,833
−HK$2,301/mo
Today · 4.125%
HK$89,134
baseline
▲ 0.50% · 4.625%
HK$93,833
+HK$4,699/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,268/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,499 · Scale 2, in force from 26 Feb 2026)