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$42,214
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,334/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,591
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,222
−HK$1,278/mo
Today · 4.125%
HK$49,500
baseline
▲ 0.50% · 4.625%
HK$52,109
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,000/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,601/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$57,109
+HK$3,275/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,355
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,533/mo
Today · 4.125%
HK$59,400
baseline
▲ 0.50% · 4.625%
HK$62,531
+HK$3,131/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,800/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,938
−HK$1,868/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,511
−HK$1,789/mo
Today · 4.125%
HK$69,300
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,600/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,985
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,349
−HK$2,401/mo
Today · 4.125%
HK$80,750
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,500/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,533
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,800
−HK$2,300/mo
Today · 4.125%
HK$89,100
baseline
▲ 0.50% · 4.625%
HK$93,797
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,200/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,234 · Scale 2, in force from 26 Feb 2026)