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$42,070
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,329/mo
Today · 4.125%
HK$44,708
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,721/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,416/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,803
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,058
−HK$1,273/mo
Today · 4.125%
HK$49,331
baseline
▲ 0.50% · 4.625%
HK$51,931
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,662/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,484
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,054
−HK$1,596/mo
Today · 4.125%
HK$53,650
baseline
▲ 0.50% · 4.625%
HK$56,914
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,300/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,163
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,669
−HK$1,528/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,318
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,898
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,730
−HK$1,861/mo
Today · 4.125%
HK$62,591
baseline
▲ 0.50% · 4.625%
HK$66,400
+HK$3,809/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,182/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,524
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,281
−HK$1,783/mo
Today · 4.125%
HK$69,064
baseline
▲ 0.50% · 4.625%
HK$72,704
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,128/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,726
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,082
−HK$2,393/mo
Today · 4.125%
HK$80,475
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,950/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,245
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,504
−HK$2,292/mo
Today · 4.125%
HK$88,796
baseline
▲ 0.50% · 4.625%
HK$93,477
+HK$4,681/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,592/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,864 · Scale 2, in force from 26 Feb 2026)