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$42,102
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,330/mo
Today · 4.125%
HK$44,742
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,723/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,484/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,274/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,523
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,094
−HK$1,597/mo
Today · 4.125%
HK$53,691
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$3,267/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$107,382/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,206
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,713
−HK$1,530/mo
Today · 4.125%
HK$59,243
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,122/mo
Deposit HK$7.39M · loan HK$11.08M · min. income ≈ HK$118,486/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,943
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,777
−HK$1,862/mo
Today · 4.125%
HK$62,639
baseline
▲ 0.50% · 4.625%
HK$66,451
+HK$3,812/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,278/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,574
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,332
−HK$1,784/mo
Today · 4.125%
HK$69,116
baseline
▲ 0.50% · 4.625%
HK$72,760
+HK$3,644/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,232/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,141
−HK$2,395/mo
Today · 4.125%
HK$80,536
baseline
▲ 0.50% · 4.625%
HK$85,437
+HK$4,901/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$161,072/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,309
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,570
−HK$2,294/mo
Today · 4.125%
HK$88,864
baseline
▲ 0.50% · 4.625%
HK$93,548
+HK$4,684/mo
Deposit HK$1.85M · loan HK$16.62M · min. income ≈ HK$177,728/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,394 · Scale 2, in force from 26 Feb 2026)