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$42,086
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,395
−HK$1,330/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,446
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,274/mo
Today · 4.125%
HK$49,349
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,698/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,503
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,074
−HK$1,596/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,935
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,184
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,690
−HK$1,529/mo
Today · 4.125%
HK$59,219
baseline
▲ 0.50% · 4.625%
HK$62,341
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,438/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,920
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,863/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,548
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,306
−HK$1,783/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,754
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,110
−HK$2,394/mo
Today · 4.125%
HK$80,504
baseline
▲ 0.50% · 4.625%
HK$85,403
+HK$4,899/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,008/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,276
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,536
−HK$2,293/mo
Today · 4.125%
HK$88,829
baseline
▲ 0.50% · 4.625%
HK$93,511
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,658/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,119 · Scale 2, in force from 26 Feb 2026)