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$42,125
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,331/mo
Today · 4.125%
HK$44,766
baseline
▲ 0.50% · 4.625%
HK$47,490
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,532/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,863
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,275/mo
Today · 4.125%
HK$49,395
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,604/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,790/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,550
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,598/mo
Today · 4.125%
HK$53,720
baseline
▲ 0.50% · 4.625%
HK$56,988
+HK$3,268/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,440/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,236
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,744
−HK$1,530/mo
Today · 4.125%
HK$59,274
baseline
▲ 0.50% · 4.625%
HK$62,399
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,548/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,975
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,809
−HK$1,864/mo
Today · 4.125%
HK$62,673
baseline
▲ 0.50% · 4.625%
HK$66,486
+HK$3,813/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,346/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,609
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,368
−HK$1,785/mo
Today · 4.125%
HK$69,153
baseline
▲ 0.50% · 4.625%
HK$72,799
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,306/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,825
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,183
−HK$2,397/mo
Today · 4.125%
HK$80,580
baseline
▲ 0.50% · 4.625%
HK$85,483
+HK$4,903/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,160/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,354
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,616
−HK$2,296/mo
Today · 4.125%
HK$88,912
baseline
▲ 0.50% · 4.625%
HK$93,598
+HK$4,686/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,824/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,765 · Scale 2, in force from 26 Feb 2026)