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$42,234
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,548
−HK$1,334/mo
Today · 4.125%
HK$44,882
baseline
▲ 0.50% · 4.625%
HK$47,613
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,764/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,985
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,245
−HK$1,278/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,134
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,602/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$57,136
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,534/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$62,560
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,128
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,967
−HK$1,868/mo
Today · 4.125%
HK$62,835
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,670/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,779
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$1,790/mo
Today · 4.125%
HK$69,333
baseline
▲ 0.50% · 4.625%
HK$72,987
+HK$3,654/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,666/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,021
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,386
−HK$2,402/mo
Today · 4.125%
HK$80,788
baseline
▲ 0.50% · 4.625%
HK$85,704
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,576/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,573
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,841
−HK$2,301/mo
Today · 4.125%
HK$89,142
baseline
▲ 0.50% · 4.625%
HK$93,841
+HK$4,699/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,284/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,559 · Scale 2, in force from 26 Feb 2026)