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$42,126
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,436
−HK$1,332/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,492
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,865
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,275/mo
Today · 4.125%
HK$49,397
baseline
▲ 0.50% · 4.625%
HK$52,001
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,794/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,597/mo
Today · 4.125%
HK$53,721
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,442/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,746
−HK$1,530/mo
Today · 4.125%
HK$59,276
baseline
▲ 0.50% · 4.625%
HK$62,401
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,552/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,811
−HK$1,864/mo
Today · 4.125%
HK$62,675
baseline
▲ 0.50% · 4.625%
HK$66,488
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,350/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,611
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,370
−HK$1,785/mo
Today · 4.125%
HK$69,155
baseline
▲ 0.50% · 4.625%
HK$72,801
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,310/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,827
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,186
−HK$2,396/mo
Today · 4.125%
HK$80,582
baseline
▲ 0.50% · 4.625%
HK$85,485
+HK$4,903/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,164/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,357
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,619
−HK$2,295/mo
Today · 4.125%
HK$88,914
baseline
▲ 0.50% · 4.625%
HK$93,601
+HK$4,687/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,828/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,785 · Scale 2, in force from 26 Feb 2026)