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$42,217
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,334/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,278/mo
Today · 4.125%
HK$49,504
baseline
▲ 0.50% · 4.625%
HK$52,113
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,008/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,661
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,601/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$57,114
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,871
−HK$1,534/mo
Today · 4.125%
HK$59,405
baseline
▲ 0.50% · 4.625%
HK$62,536
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,810/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,104
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,943
−HK$1,868/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,632
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,753
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,516
−HK$1,789/mo
Today · 4.125%
HK$69,305
baseline
▲ 0.50% · 4.625%
HK$72,958
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,610/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,991
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,355
−HK$2,402/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,670
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,539
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,807
−HK$2,300/mo
Today · 4.125%
HK$89,107
baseline
▲ 0.50% · 4.625%
HK$93,804
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,214/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,286 · Scale 2, in force from 26 Feb 2026)