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$42,252
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,567
−HK$1,335/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,266
−HK$1,279/mo
Today · 4.125%
HK$49,545
baseline
▲ 0.50% · 4.625%
HK$52,156
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,090/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,703
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,280
−HK$1,602/mo
Today · 4.125%
HK$53,882
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,764/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,406
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,919
−HK$1,535/mo
Today · 4.125%
HK$59,454
baseline
▲ 0.50% · 4.625%
HK$62,588
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,908/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,153
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,993
−HK$1,870/mo
Today · 4.125%
HK$62,863
baseline
▲ 0.50% · 4.625%
HK$66,688
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,726/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,807
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,572
−HK$1,791/mo
Today · 4.125%
HK$69,363
baseline
▲ 0.50% · 4.625%
HK$73,019
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,726/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,054
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,420
−HK$2,403/mo
Today · 4.125%
HK$80,823
baseline
▲ 0.50% · 4.625%
HK$85,741
+HK$4,918/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,646/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,609
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,878
−HK$2,302/mo
Today · 4.125%
HK$89,180
baseline
▲ 0.50% · 4.625%
HK$93,881
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,360/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,860 · Scale 2, in force from 26 Feb 2026)