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$42,159
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,333/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,902
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,276/mo
Today · 4.125%
HK$49,435
baseline
▲ 0.50% · 4.625%
HK$52,041
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,870/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,165
−HK$1,598/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,282
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,791
−HK$1,532/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,023
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,859
−HK$1,865/mo
Today · 4.125%
HK$62,724
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,448/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,662
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,423
−HK$1,787/mo
Today · 4.125%
HK$69,210
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,420/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,886
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,247
−HK$2,398/mo
Today · 4.125%
HK$80,645
baseline
▲ 0.50% · 4.625%
HK$85,552
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,290/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,423
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,687
−HK$2,297/mo
Today · 4.125%
HK$88,984
baseline
▲ 0.50% · 4.625%
HK$93,674
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,968/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,328 · Scale 2, in force from 26 Feb 2026)