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$42,244
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,559
−HK$1,335/mo
Today · 4.125%
HK$44,894
baseline
▲ 0.50% · 4.625%
HK$47,625
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,788/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,997
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,257
−HK$1,279/mo
Today · 4.125%
HK$49,536
baseline
▲ 0.50% · 4.625%
HK$52,147
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,072/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,693
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,602/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$57,150
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,908
−HK$1,535/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,142
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,869/mo
Today · 4.125%
HK$62,851
baseline
▲ 0.50% · 4.625%
HK$66,675
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,702/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,795
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,560
−HK$1,790/mo
Today · 4.125%
HK$69,350
baseline
▲ 0.50% · 4.625%
HK$73,005
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,700/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,040
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,405
−HK$2,403/mo
Today · 4.125%
HK$80,808
baseline
▲ 0.50% · 4.625%
HK$85,725
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,616/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,594
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,863
−HK$2,301/mo
Today · 4.125%
HK$89,164
baseline
▲ 0.50% · 4.625%
HK$93,864
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,328/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,733 · Scale 2, in force from 26 Feb 2026)