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$42,028
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,335
−HK$1,329/mo
Today · 4.125%
HK$44,664
baseline
▲ 0.50% · 4.625%
HK$47,381
+HK$2,717/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$89,328/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,756
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,010
−HK$1,272/mo
Today · 4.125%
HK$49,282
baseline
▲ 0.50% · 4.625%
HK$51,880
+HK$2,598/mo
Deposit HK$9.22M · loan HK$9.22M · min. income ≈ HK$98,564/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,434
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,594/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,526/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,255
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,839
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,669
−HK$1,860/mo
Today · 4.125%
HK$62,529
baseline
▲ 0.50% · 4.625%
HK$66,334
+HK$3,805/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,058/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,458
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,214
−HK$1,781/mo
Today · 4.125%
HK$68,995
baseline
▲ 0.50% · 4.625%
HK$72,631
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,990/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,650
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,004
−HK$2,390/mo
Today · 4.125%
HK$80,394
baseline
▲ 0.50% · 4.625%
HK$85,286
+HK$4,892/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$160,788/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,160
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,290/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$93,383
+HK$4,676/mo
Deposit HK$1.84M · loan HK$16.59M · min. income ≈ HK$177,414/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,173 · Scale 2, in force from 26 Feb 2026)