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$42,242
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,335/mo
Today · 4.125%
HK$44,891
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,782/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,254
−HK$1,279/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,690
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,602/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,905
−HK$1,534/mo
Today · 4.125%
HK$59,439
baseline
▲ 0.50% · 4.625%
HK$62,572
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,878/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,139
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,869/mo
Today · 4.125%
HK$62,847
baseline
▲ 0.50% · 4.625%
HK$66,671
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,694/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,556
−HK$1,790/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,001
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,401
−HK$2,403/mo
Today · 4.125%
HK$80,804
baseline
▲ 0.50% · 4.625%
HK$85,720
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,608/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,589
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,857
−HK$2,302/mo
Today · 4.125%
HK$89,159
baseline
▲ 0.50% · 4.625%
HK$93,859
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,318/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,692 · Scale 2, in force from 26 Feb 2026)