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$42,212
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,334/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,589
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,961
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,278/mo
Today · 4.125%
HK$49,498
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$98,996/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,655
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,230
−HK$1,601/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$57,107
+HK$3,276/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,353
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,533/mo
Today · 4.125%
HK$59,397
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,131/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,794/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,097
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,868/mo
Today · 4.125%
HK$62,803
baseline
▲ 0.50% · 4.625%
HK$66,624
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,606/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,745
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,508
−HK$1,789/mo
Today · 4.125%
HK$69,297
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,594/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,982
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,402/mo
Today · 4.125%
HK$80,747
baseline
▲ 0.50% · 4.625%
HK$85,660
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,494/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,529
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,796
−HK$2,300/mo
Today · 4.125%
HK$89,096
baseline
▲ 0.50% · 4.625%
HK$93,792
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,192/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,201 · Scale 2, in force from 26 Feb 2026)