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$42,120
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,331/mo
Today · 4.125%
HK$44,762
baseline
▲ 0.50% · 4.625%
HK$47,485
+HK$2,723/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,524/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,859
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,115
−HK$1,275/mo
Today · 4.125%
HK$49,390
baseline
▲ 0.50% · 4.625%
HK$51,994
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,780/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,544
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,117
−HK$1,597/mo
Today · 4.125%
HK$53,714
baseline
▲ 0.50% · 4.625%
HK$56,982
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,428/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,230
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,738
−HK$1,530/mo
Today · 4.125%
HK$59,268
baseline
▲ 0.50% · 4.625%
HK$62,392
+HK$3,124/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,536/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,969
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,803
−HK$1,863/mo
Today · 4.125%
HK$62,666
baseline
▲ 0.50% · 4.625%
HK$66,479
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,332/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,602
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,361
−HK$1,785/mo
Today · 4.125%
HK$69,146
baseline
▲ 0.50% · 4.625%
HK$72,791
+HK$3,645/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,292/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,817
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,396/mo
Today · 4.125%
HK$80,571
baseline
▲ 0.50% · 4.625%
HK$85,474
+HK$4,903/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,142/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,345
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,607
−HK$2,295/mo
Today · 4.125%
HK$88,902
baseline
▲ 0.50% · 4.625%
HK$93,588
+HK$4,686/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,804/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,692 · Scale 2, in force from 26 Feb 2026)