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$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,328/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,719/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,766
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,273/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,594/mo
Today · 4.125%
HK$53,608
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,216/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,119
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,527/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,860/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,472
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$1,782/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$72,647
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,667
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,021
−HK$2,391/mo
Today · 4.125%
HK$80,412
baseline
▲ 0.50% · 4.625%
HK$85,305
+HK$4,893/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,824/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,179
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,436
−HK$2,291/mo
Today · 4.125%
HK$88,727
baseline
▲ 0.50% · 4.625%
HK$93,404
+HK$4,677/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,454/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,324 · Scale 2, in force from 26 Feb 2026)