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$42,248
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,335/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,278/mo
Today · 4.125%
HK$49,539
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,612/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,078/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,697
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,274
−HK$1,602/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$57,155
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,400
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,534/mo
Today · 4.125%
HK$59,447
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,894/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,147
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,987
−HK$1,869/mo
Today · 4.125%
HK$62,856
baseline
▲ 0.50% · 4.625%
HK$66,680
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,712/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,800
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,565
−HK$1,790/mo
Today · 4.125%
HK$69,355
baseline
▲ 0.50% · 4.625%
HK$73,011
+HK$3,656/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,710/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,046
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,411
−HK$2,404/mo
Today · 4.125%
HK$80,815
baseline
▲ 0.50% · 4.625%
HK$85,732
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,630/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,600
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,869
−HK$2,302/mo
Today · 4.125%
HK$89,171
baseline
▲ 0.50% · 4.625%
HK$93,871
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,342/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,786 · Scale 2, in force from 26 Feb 2026)