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$42,214
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,334/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,729/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,222
−HK$1,277/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,109
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,656
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,601/mo
Today · 4.125%
HK$53,833
baseline
▲ 0.50% · 4.625%
HK$57,108
+HK$3,275/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,666/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,355
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,533/mo
Today · 4.125%
HK$59,399
baseline
▲ 0.50% · 4.625%
HK$62,530
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,798/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,099
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,868/mo
Today · 4.125%
HK$62,805
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,610/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,510
−HK$1,789/mo
Today · 4.125%
HK$69,299
baseline
▲ 0.50% · 4.625%
HK$72,952
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,598/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,401/mo
Today · 4.125%
HK$80,749
baseline
▲ 0.50% · 4.625%
HK$85,663
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,498/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,532
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,799
−HK$2,300/mo
Today · 4.125%
HK$89,099
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,198/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,225 · Scale 2, in force from 26 Feb 2026)