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$42,248
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,336/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,279/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,698
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,275
−HK$1,602/mo
Today · 4.125%
HK$53,877
baseline
▲ 0.50% · 4.625%
HK$57,155
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,754/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,401
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,914
−HK$1,534/mo
Today · 4.125%
HK$59,448
baseline
▲ 0.50% · 4.625%
HK$62,582
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,896/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,148
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,987
−HK$1,870/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,681
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,801
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,566
−HK$1,790/mo
Today · 4.125%
HK$69,356
baseline
▲ 0.50% · 4.625%
HK$73,012
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,712/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,047
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,412
−HK$2,404/mo
Today · 4.125%
HK$80,816
baseline
▲ 0.50% · 4.625%
HK$85,733
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,632/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,601
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,870
−HK$2,302/mo
Today · 4.125%
HK$89,172
baseline
▲ 0.50% · 4.625%
HK$93,872
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,344/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,794 · Scale 2, in force from 26 Feb 2026)