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$42,090
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,330/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,274/mo
Today · 4.125%
HK$49,355
baseline
▲ 0.50% · 4.625%
HK$51,957
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,710/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,508
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,596/mo
Today · 4.125%
HK$53,676
baseline
▲ 0.50% · 4.625%
HK$56,942
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,352/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,190
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,697
−HK$1,529/mo
Today · 4.125%
HK$59,226
baseline
▲ 0.50% · 4.625%
HK$62,348
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,452/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,927
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,862/mo
Today · 4.125%
HK$62,622
baseline
▲ 0.50% · 4.625%
HK$66,432
+HK$3,810/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,244/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,555
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$1,784/mo
Today · 4.125%
HK$69,097
baseline
▲ 0.50% · 4.625%
HK$72,739
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,194/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,763
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,119
−HK$2,395/mo
Today · 4.125%
HK$80,514
baseline
▲ 0.50% · 4.625%
HK$85,413
+HK$4,899/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,028/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,285
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,546
−HK$2,293/mo
Today · 4.125%
HK$88,839
baseline
▲ 0.50% · 4.625%
HK$93,522
+HK$4,683/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,678/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,199 · Scale 2, in force from 26 Feb 2026)