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$42,268
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,335/mo
Today · 4.125%
HK$44,918
baseline
▲ 0.50% · 4.625%
HK$47,651
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,836/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,022
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,279/mo
Today · 4.125%
HK$49,563
baseline
▲ 0.50% · 4.625%
HK$52,175
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,126/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,721
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,299
−HK$1,603/mo
Today · 4.125%
HK$53,902
baseline
▲ 0.50% · 4.625%
HK$57,182
+HK$3,280/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,804/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,427
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,940
−HK$1,535/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,136/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,175
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,016
−HK$1,870/mo
Today · 4.125%
HK$62,886
baseline
▲ 0.50% · 4.625%
HK$66,712
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,772/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,831
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,597
−HK$1,791/mo
Today · 4.125%
HK$69,388
baseline
▲ 0.50% · 4.625%
HK$73,046
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,776/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,082
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,449
−HK$2,404/mo
Today · 4.125%
HK$80,853
baseline
▲ 0.50% · 4.625%
HK$85,773
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,706/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,640
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,910
−HK$2,303/mo
Today · 4.125%
HK$89,213
baseline
▲ 0.50% · 4.625%
HK$93,916
+HK$4,703/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,426/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,115 · Scale 2, in force from 26 Feb 2026)