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$42,209
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,522
−HK$1,334/mo
Today · 4.125%
HK$44,856
baseline
▲ 0.50% · 4.625%
HK$47,586
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,712/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,957
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,217
−HK$1,277/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,103
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,651
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,227
−HK$1,600/mo
Today · 4.125%
HK$53,827
baseline
▲ 0.50% · 4.625%
HK$57,103
+HK$3,276/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,654/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,860
−HK$1,533/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$62,524
+HK$3,131/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,093
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,868/mo
Today · 4.125%
HK$62,799
baseline
▲ 0.50% · 4.625%
HK$66,620
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,598/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,740
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$1,789/mo
Today · 4.125%
HK$69,292
baseline
▲ 0.50% · 4.625%
HK$72,944
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,584/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,977
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,340
−HK$2,401/mo
Today · 4.125%
HK$80,741
baseline
▲ 0.50% · 4.625%
HK$85,654
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,482/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,523
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,790
−HK$2,300/mo
Today · 4.125%
HK$89,090
baseline
▲ 0.50% · 4.625%
HK$93,786
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,180/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,153 · Scale 2, in force from 26 Feb 2026)