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$42,150
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,332/mo
Today · 4.125%
HK$44,793
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,586/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,891
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,149
−HK$1,276/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,599/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$57,022
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,779
−HK$1,530/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,127/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,010
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,845
−HK$1,865/mo
Today · 4.125%
HK$62,710
baseline
▲ 0.50% · 4.625%
HK$66,526
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,420/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,648
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,408
−HK$1,786/mo
Today · 4.125%
HK$69,194
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,388/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,870
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,397/mo
Today · 4.125%
HK$80,627
baseline
▲ 0.50% · 4.625%
HK$85,533
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,254/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,404
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,668
−HK$2,296/mo
Today · 4.125%
HK$88,964
baseline
▲ 0.50% · 4.625%
HK$93,654
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,928/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,175 · Scale 2, in force from 26 Feb 2026)