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$42,162
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,333/mo
Today · 4.125%
HK$44,806
baseline
▲ 0.50% · 4.625%
HK$47,532
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,612/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,276/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,594
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,599/mo
Today · 4.125%
HK$53,767
baseline
▲ 0.50% · 4.625%
HK$57,038
+HK$3,271/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,534/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,285
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,795
−HK$1,531/mo
Today · 4.125%
HK$59,326
baseline
▲ 0.50% · 4.625%
HK$62,453
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,652/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,026
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,862
−HK$1,866/mo
Today · 4.125%
HK$62,728
baseline
▲ 0.50% · 4.625%
HK$66,545
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,456/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,666
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,427
−HK$1,787/mo
Today · 4.125%
HK$69,214
baseline
▲ 0.50% · 4.625%
HK$72,862
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,428/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,891
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,398/mo
Today · 4.125%
HK$80,650
baseline
▲ 0.50% · 4.625%
HK$85,557
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,300/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,428
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,297/mo
Today · 4.125%
HK$88,989
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,978/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,370 · Scale 2, in force from 26 Feb 2026)