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$42,459
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,779
−HK$1,342/mo
Today · 4.125%
HK$45,121
baseline
▲ 0.50% · 4.625%
HK$47,867
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,242/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,235
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,502
−HK$1,285/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,411
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,535
−HK$1,610/mo
Today · 4.125%
HK$54,145
baseline
▲ 0.50% · 4.625%
HK$57,440
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,290/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,682
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,202
−HK$1,542/mo
Today · 4.125%
HK$59,744
baseline
▲ 0.50% · 4.625%
HK$62,893
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,488/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,291
−HK$1,879/mo
Today · 4.125%
HK$63,170
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,843/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,340/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,129
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,902
−HK$1,799/mo
Today · 4.125%
HK$69,701
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,402/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,425
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,803
−HK$2,415/mo
Today · 4.125%
HK$81,218
baseline
▲ 0.50% · 4.625%
HK$86,160
+HK$4,942/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,436/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,023
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,303
−HK$2,313/mo
Today · 4.125%
HK$89,616
baseline
▲ 0.50% · 4.625%
HK$94,340
+HK$4,724/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,232/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,254 · Scale 2, in force from 26 Feb 2026)