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$42,539
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,344/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,325
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,594
−HK$1,288/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,613/mo
Today · 4.125%
HK$54,248
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,496/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,790
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,313
−HK$1,545/mo
Today · 4.125%
HK$59,858
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,716/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,555
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,882/mo
Today · 4.125%
HK$63,290
baseline
▲ 0.50% · 4.625%
HK$67,141
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,580/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,255
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,032
−HK$1,802/mo
Today · 4.125%
HK$69,834
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,668/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,571
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,953
−HK$2,420/mo
Today · 4.125%
HK$81,373
baseline
▲ 0.50% · 4.625%
HK$86,324
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,746/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,184
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,469
−HK$2,318/mo
Today · 4.125%
HK$89,787
baseline
▲ 0.50% · 4.625%
HK$94,520
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,574/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,584 · Scale 2, in force from 26 Feb 2026)