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$42,277
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,592
−HK$1,336/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,033
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,280/mo
Today · 4.125%
HK$49,574
baseline
▲ 0.50% · 4.625%
HK$52,187
+HK$2,613/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,148/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,310
−HK$1,604/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$3,280/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,439
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,953
−HK$1,535/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$62,624
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,188
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,870/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,846
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,612
−HK$1,791/mo
Today · 4.125%
HK$69,403
baseline
▲ 0.50% · 4.625%
HK$73,062
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,806/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,099
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,466
−HK$2,405/mo
Today · 4.125%
HK$80,871
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,742/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,659
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,929
−HK$2,304/mo
Today · 4.125%
HK$89,233
baseline
▲ 0.50% · 4.625%
HK$93,936
+HK$4,703/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,466/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,267 · Scale 2, in force from 26 Feb 2026)