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$42,537
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,344/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,955
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,591
−HK$1,288/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,044
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,632
−HK$1,613/mo
Today · 4.125%
HK$54,245
baseline
▲ 0.50% · 4.625%
HK$57,546
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,490/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,786
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,309
−HK$1,545/mo
Today · 4.125%
HK$59,854
baseline
▲ 0.50% · 4.625%
HK$63,009
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,708/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,552
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,404
−HK$1,882/mo
Today · 4.125%
HK$63,286
baseline
▲ 0.50% · 4.625%
HK$67,137
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,572/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,251
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,028
−HK$1,802/mo
Today · 4.125%
HK$69,830
baseline
▲ 0.50% · 4.625%
HK$73,511
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,660/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,567
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,948
−HK$2,420/mo
Today · 4.125%
HK$81,368
baseline
▲ 0.50% · 4.625%
HK$86,319
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,736/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,180
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,464
−HK$2,318/mo
Today · 4.125%
HK$89,782
baseline
▲ 0.50% · 4.625%
HK$94,514
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,564/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,544 · Scale 2, in force from 26 Feb 2026)