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$42,257
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,336/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,732/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,279/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,286
−HK$1,602/mo
Today · 4.125%
HK$53,888
baseline
▲ 0.50% · 4.625%
HK$57,167
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,776/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,413
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,535/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$62,595
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,160
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,000
−HK$1,870/mo
Today · 4.125%
HK$62,870
baseline
▲ 0.50% · 4.625%
HK$66,695
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,740/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,815
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,580
−HK$1,790/mo
Today · 4.125%
HK$69,370
baseline
▲ 0.50% · 4.625%
HK$73,027
+HK$3,657/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,740/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,063
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,428
−HK$2,404/mo
Today · 4.125%
HK$80,832
baseline
▲ 0.50% · 4.625%
HK$85,751
+HK$4,919/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,664/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,619
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,888
−HK$2,302/mo
Today · 4.125%
HK$89,190
baseline
▲ 0.50% · 4.625%
HK$93,892
+HK$4,702/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,380/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,938 · Scale 2, in force from 26 Feb 2026)