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$42,085
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,394
−HK$1,330/mo
Today · 4.125%
HK$44,724
baseline
▲ 0.50% · 4.625%
HK$47,445
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,448/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,819
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,274/mo
Today · 4.125%
HK$49,349
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,698/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,502
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,073
−HK$1,596/mo
Today · 4.125%
HK$53,669
baseline
▲ 0.50% · 4.625%
HK$56,935
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,338/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,183
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,690
−HK$1,528/mo
Today · 4.125%
HK$59,218
baseline
▲ 0.50% · 4.625%
HK$62,340
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,436/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,919
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,862/mo
Today · 4.125%
HK$62,614
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,810/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,228/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,547
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,305
−HK$1,783/mo
Today · 4.125%
HK$69,088
baseline
▲ 0.50% · 4.625%
HK$72,730
+HK$3,642/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,176/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,753
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,109
−HK$2,394/mo
Today · 4.125%
HK$80,503
baseline
▲ 0.50% · 4.625%
HK$85,402
+HK$4,899/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,006/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,274
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,535
−HK$2,293/mo
Today · 4.125%
HK$88,828
baseline
▲ 0.50% · 4.625%
HK$93,510
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,656/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,110 · Scale 2, in force from 26 Feb 2026)