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$42,253
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,568
−HK$1,335/mo
Today · 4.125%
HK$44,903
baseline
▲ 0.50% · 4.625%
HK$47,635
+HK$2,732/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,806/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,006
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,279/mo
Today · 4.125%
HK$49,546
baseline
▲ 0.50% · 4.625%
HK$52,158
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,092/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,603/mo
Today · 4.125%
HK$53,884
baseline
▲ 0.50% · 4.625%
HK$57,162
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,768/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,408
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,920
−HK$1,535/mo
Today · 4.125%
HK$59,455
baseline
▲ 0.50% · 4.625%
HK$62,589
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,910/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,155
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,995
−HK$1,869/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,689
+HK$3,825/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,574
−HK$1,790/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,021
+HK$3,657/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,056
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,422
−HK$2,403/mo
Today · 4.125%
HK$80,825
baseline
▲ 0.50% · 4.625%
HK$85,743
+HK$4,918/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,650/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,611
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,881
−HK$2,302/mo
Today · 4.125%
HK$89,183
baseline
▲ 0.50% · 4.625%
HK$93,884
+HK$4,701/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,366/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,877 · Scale 2, in force from 26 Feb 2026)