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$42,093
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,402
−HK$1,330/mo
Today · 4.125%
HK$44,732
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,722/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,464/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,828
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,274/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$51,959
+HK$2,602/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,511
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,597/mo
Today · 4.125%
HK$53,679
baseline
▲ 0.50% · 4.625%
HK$56,945
+HK$3,266/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$107,358/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,193
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,529/mo
Today · 4.125%
HK$59,229
baseline
▲ 0.50% · 4.625%
HK$62,351
+HK$3,122/mo
Deposit HK$7.38M · loan HK$11.08M · min. income ≈ HK$118,458/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,930
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,763
−HK$1,862/mo
Today · 4.125%
HK$62,625
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,811/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,250/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,559
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,317
−HK$1,783/mo
Today · 4.125%
HK$69,100
baseline
▲ 0.50% · 4.625%
HK$72,743
+HK$3,643/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,200/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,767
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,123
−HK$2,395/mo
Today · 4.125%
HK$80,518
baseline
▲ 0.50% · 4.625%
HK$85,417
+HK$4,899/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$161,036/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,290
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,550
−HK$2,293/mo
Today · 4.125%
HK$88,843
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$4,683/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,686/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,234 · Scale 2, in force from 26 Feb 2026)