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$42,033
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,328/mo
Today · 4.125%
HK$44,668
baseline
▲ 0.50% · 4.625%
HK$47,386
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,336/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,272/mo
Today · 4.125%
HK$49,287
baseline
▲ 0.50% · 4.625%
HK$51,885
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,574/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,439
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,008
−HK$1,594/mo
Today · 4.125%
HK$53,602
baseline
▲ 0.50% · 4.625%
HK$56,864
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,204/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,113
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,527/mo
Today · 4.125%
HK$59,145
baseline
▲ 0.50% · 4.625%
HK$62,262
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,290/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,846
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,676
−HK$1,860/mo
Today · 4.125%
HK$62,536
baseline
▲ 0.50% · 4.625%
HK$66,341
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,072/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,465
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$1,781/mo
Today · 4.125%
HK$69,002
baseline
▲ 0.50% · 4.625%
HK$72,639
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$138,004/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,659
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,012
−HK$2,391/mo
Today · 4.125%
HK$80,403
baseline
▲ 0.50% · 4.625%
HK$85,295
+HK$4,892/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,806/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,169
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,427
−HK$2,290/mo
Today · 4.125%
HK$88,717
baseline
▲ 0.50% · 4.625%
HK$93,393
+HK$4,676/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,434/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,248 · Scale 2, in force from 26 Feb 2026)