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$42,030
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,338
−HK$1,328/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,384
+HK$2,718/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,758
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,273/mo
Today · 4.125%
HK$49,285
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,597/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,570/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,436
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,005
−HK$1,594/mo
Today · 4.125%
HK$53,599
baseline
▲ 0.50% · 4.625%
HK$56,861
+HK$3,262/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,198/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,110
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,615
−HK$1,526/mo
Today · 4.125%
HK$59,141
baseline
▲ 0.50% · 4.625%
HK$62,259
+HK$3,118/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,282/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,842
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,673
−HK$1,859/mo
Today · 4.125%
HK$62,532
baseline
▲ 0.50% · 4.625%
HK$66,337
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,064/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,462
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,217
−HK$1,781/mo
Today · 4.125%
HK$68,998
baseline
▲ 0.50% · 4.625%
HK$72,635
+HK$3,637/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,996/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,655
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,008
−HK$2,391/mo
Today · 4.125%
HK$80,399
baseline
▲ 0.50% · 4.625%
HK$85,291
+HK$4,892/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,798/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,165
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,422
−HK$2,290/mo
Today · 4.125%
HK$88,712
baseline
▲ 0.50% · 4.625%
HK$93,388
+HK$4,676/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,424/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,211 · Scale 2, in force from 26 Feb 2026)