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$42,361
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,679
−HK$1,339/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,757
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,126
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,282/mo
Today · 4.125%
HK$49,672
baseline
▲ 0.50% · 4.625%
HK$52,291
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,344/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,415
−HK$1,606/mo
Today · 4.125%
HK$54,021
baseline
▲ 0.50% · 4.625%
HK$57,308
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,042/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,552
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,068
−HK$1,539/mo
Today · 4.125%
HK$59,607
baseline
▲ 0.50% · 4.625%
HK$62,749
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,214/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,306
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,150
−HK$1,875/mo
Today · 4.125%
HK$63,025
baseline
▲ 0.50% · 4.625%
HK$66,859
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,050/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,746
−HK$1,795/mo
Today · 4.125%
HK$69,541
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$3,666/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,082/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,250
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,622
−HK$2,410/mo
Today · 4.125%
HK$81,032
baseline
▲ 0.50% · 4.625%
HK$85,962
+HK$4,930/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,064/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,827
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,102
−HK$2,308/mo
Today · 4.125%
HK$89,410
baseline
▲ 0.50% · 4.625%
HK$94,123
+HK$4,713/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,820/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,652 · Scale 2, in force from 26 Feb 2026)