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$42,300
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,337/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,688
+HK$2,735/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,281/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,215
+HK$2,614/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,760
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,339
−HK$1,604/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$57,225
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,470
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,537/mo
Today · 4.125%
HK$59,521
baseline
▲ 0.50% · 4.625%
HK$62,658
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,042/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,220
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,062
−HK$1,872/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,763
+HK$3,829/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,882
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,649
−HK$1,792/mo
Today · 4.125%
HK$69,441
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$3,660/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,882/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,140
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,508
−HK$2,407/mo
Today · 4.125%
HK$80,915
baseline
▲ 0.50% · 4.625%
HK$85,838
+HK$4,923/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,830/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,705
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,977
−HK$2,304/mo
Today · 4.125%
HK$89,281
baseline
▲ 0.50% · 4.625%
HK$93,987
+HK$4,706/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,562/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,646 · Scale 2, in force from 26 Feb 2026)