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$42,046
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,329/mo
Today · 4.125%
HK$44,683
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,366/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,273/mo
Today · 4.125%
HK$49,303
baseline
▲ 0.50% · 4.625%
HK$51,902
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,606/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,455
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,025
−HK$1,594/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,131
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,636
−HK$1,528/mo
Today · 4.125%
HK$59,164
baseline
▲ 0.50% · 4.625%
HK$62,282
+HK$3,118/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,328/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,865
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,696
−HK$1,860/mo
Today · 4.125%
HK$62,556
baseline
▲ 0.50% · 4.625%
HK$66,362
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,112/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,486
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,243
−HK$1,781/mo
Today · 4.125%
HK$69,024
baseline
▲ 0.50% · 4.625%
HK$72,663
+HK$3,639/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,048/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,683
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,392/mo
Today · 4.125%
HK$80,429
baseline
▲ 0.50% · 4.625%
HK$85,323
+HK$4,894/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,858/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,197
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,290/mo
Today · 4.125%
HK$88,745
baseline
▲ 0.50% · 4.625%
HK$93,423
+HK$4,678/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,490/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,471 · Scale 2, in force from 26 Feb 2026)