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$42,220
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,533
−HK$1,334/mo
Today · 4.125%
HK$44,867
baseline
▲ 0.50% · 4.625%
HK$47,597
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,734/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,278/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,116
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,601/mo
Today · 4.125%
HK$53,841
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,682/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,874
−HK$1,534/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$62,539
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,108
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,868/mo
Today · 4.125%
HK$62,814
baseline
▲ 0.50% · 4.625%
HK$66,636
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,628/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,757
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,520
−HK$1,789/mo
Today · 4.125%
HK$69,309
baseline
▲ 0.50% · 4.625%
HK$72,963
+HK$3,654/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,618/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,995
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,359
−HK$2,402/mo
Today · 4.125%
HK$80,761
baseline
▲ 0.50% · 4.625%
HK$85,675
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,522/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,544
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,300/mo
Today · 4.125%
HK$89,112
baseline
▲ 0.50% · 4.625%
HK$93,809
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,224/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,325 · Scale 2, in force from 26 Feb 2026)