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$42,079
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,387
−HK$1,330/mo
Today · 4.125%
HK$44,717
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,434/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,812
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,067
−HK$1,274/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$51,942
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,494
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,596/mo
Today · 4.125%
HK$53,661
baseline
▲ 0.50% · 4.625%
HK$56,926
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,322/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,174
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,681
−HK$1,528/mo
Today · 4.125%
HK$59,209
baseline
▲ 0.50% · 4.625%
HK$62,330
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,418/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,910
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,862/mo
Today · 4.125%
HK$62,604
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,208/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$1,784/mo
Today · 4.125%
HK$69,078
baseline
▲ 0.50% · 4.625%
HK$72,719
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,156/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,394/mo
Today · 4.125%
HK$80,491
baseline
▲ 0.50% · 4.625%
HK$85,389
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,982/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,262
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,521
−HK$2,293/mo
Today · 4.125%
HK$88,814
baseline
▲ 0.50% · 4.625%
HK$93,495
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,628/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,004 · Scale 2, in force from 26 Feb 2026)