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$42,238
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,335/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,618
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,250
−HK$1,278/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,686
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,601/mo
Today · 4.125%
HK$53,864
baseline
▲ 0.50% · 4.625%
HK$57,142
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,728/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,900
−HK$1,534/mo
Today · 4.125%
HK$59,434
baseline
▲ 0.50% · 4.625%
HK$62,567
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,868/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,973
−HK$1,869/mo
Today · 4.125%
HK$62,842
baseline
▲ 0.50% · 4.625%
HK$66,666
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,684/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,785
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,550
−HK$1,790/mo
Today · 4.125%
HK$69,340
baseline
▲ 0.50% · 4.625%
HK$72,995
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,680/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,029
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,394
−HK$2,403/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,713
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,581
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,850
−HK$2,301/mo
Today · 4.125%
HK$89,151
baseline
▲ 0.50% · 4.625%
HK$93,850
+HK$4,699/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,302/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,630 · Scale 2, in force from 26 Feb 2026)