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$42,236
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,335/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,279/mo
Today · 4.125%
HK$49,526
baseline
▲ 0.50% · 4.625%
HK$52,136
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,052/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,683
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,260
−HK$1,601/mo
Today · 4.125%
HK$53,861
baseline
▲ 0.50% · 4.625%
HK$57,139
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,722/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,385
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,897
−HK$1,534/mo
Today · 4.125%
HK$59,431
baseline
▲ 0.50% · 4.625%
HK$62,564
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,862/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,130
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,868/mo
Today · 4.125%
HK$62,838
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,676/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$1,790/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$72,991
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,025
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,390
−HK$2,402/mo
Today · 4.125%
HK$80,792
baseline
▲ 0.50% · 4.625%
HK$85,708
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,584/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,577
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,301/mo
Today · 4.125%
HK$89,146
baseline
▲ 0.50% · 4.625%
HK$93,845
+HK$4,699/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,292/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,593 · Scale 2, in force from 26 Feb 2026)