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$42,063
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,371
−HK$1,330/mo
Today · 4.125%
HK$44,701
baseline
▲ 0.50% · 4.625%
HK$47,421
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,402/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,795
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,050
−HK$1,273/mo
Today · 4.125%
HK$49,323
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,646/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,046
−HK$1,595/mo
Today · 4.125%
HK$53,641
baseline
▲ 0.50% · 4.625%
HK$56,905
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,282/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,154
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,527/mo
Today · 4.125%
HK$59,187
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,374/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,888
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,861/mo
Today · 4.125%
HK$62,581
baseline
▲ 0.50% · 4.625%
HK$66,389
+HK$3,808/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,162/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,513
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,270
−HK$1,782/mo
Today · 4.125%
HK$69,052
baseline
▲ 0.50% · 4.625%
HK$72,692
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,104/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,714
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,392/mo
Today · 4.125%
HK$80,461
baseline
▲ 0.50% · 4.625%
HK$85,357
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,922/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,231
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,490
−HK$2,291/mo
Today · 4.125%
HK$88,781
baseline
▲ 0.50% · 4.625%
HK$93,461
+HK$4,680/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,562/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,749 · Scale 2, in force from 26 Feb 2026)