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$42,232
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,546
−HK$1,334/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,611
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,983
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,243
−HK$1,278/mo
Today · 4.125%
HK$49,521
baseline
▲ 0.50% · 4.625%
HK$52,131
+HK$2,610/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,042/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,255
−HK$1,601/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$3,277/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,379
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,534/mo
Today · 4.125%
HK$59,425
baseline
▲ 0.50% · 4.625%
HK$62,558
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,850/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,125
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,868/mo
Today · 4.125%
HK$62,832
baseline
▲ 0.50% · 4.625%
HK$66,656
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$125,664/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,776
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,540
−HK$1,789/mo
Today · 4.125%
HK$69,329
baseline
▲ 0.50% · 4.625%
HK$72,984
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.96M · min. income ≈ HK$138,658/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,018
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,382
−HK$2,403/mo
Today · 4.125%
HK$80,785
baseline
▲ 0.50% · 4.625%
HK$85,700
+HK$4,915/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,570/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,569
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,837
−HK$2,301/mo
Today · 4.125%
HK$89,138
baseline
▲ 0.50% · 4.625%
HK$93,836
+HK$4,698/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,276/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,528 · Scale 2, in force from 26 Feb 2026)