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$42,055
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,330/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,412
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,786
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,273/mo
Today · 4.125%
HK$49,314
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,599/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,628/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,595/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$3,263/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,528/mo
Today · 4.125%
HK$59,177
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,354/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,861/mo
Today · 4.125%
HK$62,570
baseline
▲ 0.50% · 4.625%
HK$66,377
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,140/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,501
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,257
−HK$1,782/mo
Today · 4.125%
HK$69,039
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,078/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,700
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,054
−HK$2,393/mo
Today · 4.125%
HK$80,447
baseline
▲ 0.50% · 4.625%
HK$85,342
+HK$4,895/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,894/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,215
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,474
−HK$2,291/mo
Today · 4.125%
HK$88,765
baseline
▲ 0.50% · 4.625%
HK$93,444
+HK$4,679/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,530/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,622 · Scale 2, in force from 26 Feb 2026)