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$42,025
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,328/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,378
+HK$2,718/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,006
−HK$1,272/mo
Today · 4.125%
HK$49,278
baseline
▲ 0.50% · 4.625%
HK$51,876
+HK$2,598/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,556/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$51,999
−HK$1,594/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,854
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,103
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,526/mo
Today · 4.125%
HK$59,134
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,268/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,835
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,860/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$66,329
+HK$3,804/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,453
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$1,781/mo
Today · 4.125%
HK$68,990
baseline
▲ 0.50% · 4.625%
HK$72,626
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,645
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,391/mo
Today · 4.125%
HK$80,389
baseline
▲ 0.50% · 4.625%
HK$85,280
+HK$4,891/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,778/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,154
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,411
−HK$2,290/mo
Today · 4.125%
HK$88,701
baseline
▲ 0.50% · 4.625%
HK$93,377
+HK$4,676/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,402/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,125 · Scale 2, in force from 26 Feb 2026)