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$42,078
−HK$2,639/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$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,811
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,067
−HK$1,274/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$51,941
+HK$2,600/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$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,494
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,064
−HK$1,596/mo
Today · 4.125%
HK$53,660
baseline
▲ 0.50% · 4.625%
HK$56,925
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,320/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,174
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,680
−HK$1,529/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$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,909
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,861/mo
Today · 4.125%
HK$62,603
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,810/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,206/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,536
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$1,783/mo
Today · 4.125%
HK$69,077
baseline
▲ 0.50% · 4.625%
HK$72,718
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,154/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,394/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,980/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,261
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,520
−HK$2,293/mo
Today · 4.125%
HK$88,813
baseline
▲ 0.50% · 4.625%
HK$93,494
+HK$4,681/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,626/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$691,996 · Scale 2, in force from 26 Feb 2026)