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$42,220
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,533
−HK$1,335/mo
Today · 4.125%
HK$44,868
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,736/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,278/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,117
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,601/mo
Today · 4.125%
HK$53,841
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,682/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,875
−HK$1,533/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,108
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,947
−HK$1,868/mo
Today · 4.125%
HK$62,815
baseline
▲ 0.50% · 4.625%
HK$66,637
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,630/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,757
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,521
−HK$1,789/mo
Today · 4.125%
HK$69,310
baseline
▲ 0.50% · 4.625%
HK$72,963
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,620/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,996
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,360
−HK$2,402/mo
Today · 4.125%
HK$80,762
baseline
▲ 0.50% · 4.625%
HK$85,676
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,524/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,545
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,301/mo
Today · 4.125%
HK$89,113
baseline
▲ 0.50% · 4.625%
HK$93,810
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,226/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,332 · Scale 2, in force from 26 Feb 2026)