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$42,042
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,350
−HK$1,329/mo
Today · 4.125%
HK$44,679
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,358/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,772
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,026
−HK$1,273/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,451
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,020
−HK$1,595/mo
Today · 4.125%
HK$53,615
baseline
▲ 0.50% · 4.625%
HK$56,877
+HK$3,262/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$107,230/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,126
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,527/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,277
+HK$3,119/mo
Deposit HK$7.38M · loan HK$11.06M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,859
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,690
−HK$1,860/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,806/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,480
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,237
−HK$1,781/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$72,656
+HK$3,638/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,676
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,030
−HK$2,392/mo
Today · 4.125%
HK$80,422
baseline
▲ 0.50% · 4.625%
HK$85,315
+HK$4,893/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,844/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,189
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,447
−HK$2,291/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$93,415
+HK$4,677/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,409 · Scale 2, in force from 26 Feb 2026)