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$42,075
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,383
−HK$1,330/mo
Today · 4.125%
HK$44,713
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,426/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,273/mo
Today · 4.125%
HK$49,336
baseline
▲ 0.50% · 4.625%
HK$51,937
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,672/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,596/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,169
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,528/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,324
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,904
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,737
−HK$1,861/mo
Today · 4.125%
HK$62,598
baseline
▲ 0.50% · 4.625%
HK$66,407
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,196/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,531
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$1,783/mo
Today · 4.125%
HK$69,071
baseline
▲ 0.50% · 4.625%
HK$72,712
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,142/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,734
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,090
−HK$2,394/mo
Today · 4.125%
HK$80,484
baseline
▲ 0.50% · 4.625%
HK$85,381
+HK$4,897/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,968/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,254
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,513
−HK$2,293/mo
Today · 4.125%
HK$88,806
baseline
▲ 0.50% · 4.625%
HK$93,487
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,612/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,939 · Scale 2, in force from 26 Feb 2026)