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$42,066
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,329/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,273/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,479
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,049
−HK$1,596/mo
Today · 4.125%
HK$53,645
baseline
▲ 0.50% · 4.625%
HK$56,909
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,290/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,158
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,664
−HK$1,528/mo
Today · 4.125%
HK$59,192
baseline
▲ 0.50% · 4.625%
HK$62,312
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,384/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,892
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,724
−HK$1,862/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$66,394
+HK$3,808/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,517
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,274
−HK$1,783/mo
Today · 4.125%
HK$69,057
baseline
▲ 0.50% · 4.625%
HK$72,697
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,114/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,719
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,074
−HK$2,393/mo
Today · 4.125%
HK$80,467
baseline
▲ 0.50% · 4.625%
HK$85,363
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,934/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,236
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,496
−HK$2,291/mo
Today · 4.125%
HK$88,787
baseline
▲ 0.50% · 4.625%
HK$93,468
+HK$4,681/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,574/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,798 · Scale 2, in force from 26 Feb 2026)