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$42,061
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,329/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,720/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,793
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,273/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,600/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,595/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$3,264/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,152
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,657
−HK$1,528/mo
Today · 4.125%
HK$59,185
baseline
▲ 0.50% · 4.625%
HK$62,305
+HK$3,120/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,370/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,886
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,718
−HK$1,861/mo
Today · 4.125%
HK$62,579
baseline
▲ 0.50% · 4.625%
HK$66,386
+HK$3,807/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$125,158/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,510
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$1,782/mo
Today · 4.125%
HK$69,049
baseline
▲ 0.50% · 4.625%
HK$72,689
+HK$3,640/mo
Deposit HK$5.53M · loan HK$12.91M · min. income ≈ HK$138,098/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,711
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,066
−HK$2,392/mo
Today · 4.125%
HK$80,458
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,896/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$160,916/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,227
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,292/mo
Today · 4.125%
HK$88,778
baseline
▲ 0.50% · 4.625%
HK$93,457
+HK$4,679/mo
Deposit HK$1.84M · loan HK$16.60M · min. income ≈ HK$177,556/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,723 · Scale 2, in force from 26 Feb 2026)