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$42,251
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,335/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,279/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,702
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,279
−HK$1,602/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$57,160
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,918
−HK$1,534/mo
Today · 4.125%
HK$59,452
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,904/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,152
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,992
−HK$1,869/mo
Today · 4.125%
HK$62,861
baseline
▲ 0.50% · 4.625%
HK$66,686
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,722/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,806
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,571
−HK$1,790/mo
Today · 4.125%
HK$69,361
baseline
▲ 0.50% · 4.625%
HK$73,017
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,722/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,052
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,418
−HK$2,404/mo
Today · 4.125%
HK$80,822
baseline
▲ 0.50% · 4.625%
HK$85,739
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,644/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,608
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,877
−HK$2,302/mo
Today · 4.125%
HK$89,179
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,358/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,846 · Scale 2, in force from 26 Feb 2026)