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$42,481
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,343/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,747/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,527
−HK$1,286/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,438
+HK$2,625/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,977
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,563
−HK$1,611/mo
Today · 4.125%
HK$54,174
baseline
▲ 0.50% · 4.625%
HK$57,470
+HK$3,296/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,348/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,711
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,232
−HK$1,543/mo
Today · 4.125%
HK$59,775
baseline
▲ 0.50% · 4.625%
HK$62,926
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,550/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,473
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,323
−HK$1,880/mo
Today · 4.125%
HK$63,203
baseline
▲ 0.50% · 4.625%
HK$67,048
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,406/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,163
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,938
−HK$1,800/mo
Today · 4.125%
HK$69,738
baseline
▲ 0.50% · 4.625%
HK$73,414
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,476/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,465
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,844
−HK$2,416/mo
Today · 4.125%
HK$81,260
baseline
▲ 0.50% · 4.625%
HK$86,205
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,520/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,067
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,348
−HK$2,315/mo
Today · 4.125%
HK$89,663
baseline
▲ 0.50% · 4.625%
HK$94,389
+HK$4,726/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,326/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,618 · Scale 2, in force from 26 Feb 2026)