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$42,141
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,331/mo
Today · 4.125%
HK$44,783
baseline
▲ 0.50% · 4.625%
HK$47,508
+HK$2,725/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,566/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,881
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,275/mo
Today · 4.125%
HK$49,414
baseline
▲ 0.50% · 4.625%
HK$52,019
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,828/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,142
−HK$1,598/mo
Today · 4.125%
HK$53,740
baseline
▲ 0.50% · 4.625%
HK$57,010
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,480/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,258
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,531/mo
Today · 4.125%
HK$59,297
baseline
▲ 0.50% · 4.625%
HK$62,423
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,594/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,832
−HK$1,865/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,634
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$1,786/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$72,826
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,213
−HK$2,397/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$85,515
+HK$4,905/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,649
−HK$2,296/mo
Today · 4.125%
HK$88,945
baseline
▲ 0.50% · 4.625%
HK$93,634
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,890/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,029 · Scale 2, in force from 26 Feb 2026)