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$42,216
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,529
−HK$1,334/mo
Today · 4.125%
HK$44,863
baseline
▲ 0.50% · 4.625%
HK$47,593
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,726/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,278/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,111
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,659
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,235
−HK$1,601/mo
Today · 4.125%
HK$53,836
baseline
▲ 0.50% · 4.625%
HK$57,112
+HK$3,276/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,672/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,358
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,869
−HK$1,534/mo
Today · 4.125%
HK$59,403
baseline
▲ 0.50% · 4.625%
HK$62,534
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,806/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,102
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,941
−HK$1,868/mo
Today · 4.125%
HK$62,809
baseline
▲ 0.50% · 4.625%
HK$66,630
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,618/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,751
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,514
−HK$1,789/mo
Today · 4.125%
HK$69,303
baseline
▲ 0.50% · 4.625%
HK$72,956
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,606/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,402/mo
Today · 4.125%
HK$80,754
baseline
▲ 0.50% · 4.625%
HK$85,668
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,508/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,537
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,804
−HK$2,300/mo
Today · 4.125%
HK$89,104
baseline
▲ 0.50% · 4.625%
HK$93,801
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,208/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,263 · Scale 2, in force from 26 Feb 2026)