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$42,544
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,344/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,963
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,287/mo
Today · 4.125%
HK$49,887
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,774/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,053
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,614/mo
Today · 4.125%
HK$54,255
baseline
▲ 0.50% · 4.625%
HK$57,556
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,510/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,796
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,320
−HK$1,545/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,020
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,562
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,882/mo
Today · 4.125%
HK$63,297
baseline
▲ 0.50% · 4.625%
HK$67,149
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,594/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,262
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,039
−HK$1,803/mo
Today · 4.125%
HK$69,842
baseline
▲ 0.50% · 4.625%
HK$73,524
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,684/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,580
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,962
−HK$2,420/mo
Today · 4.125%
HK$81,382
baseline
▲ 0.50% · 4.625%
HK$86,334
+HK$4,952/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,764/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,194
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,479
−HK$2,318/mo
Today · 4.125%
HK$89,797
baseline
▲ 0.50% · 4.625%
HK$94,531
+HK$4,734/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,594/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,666 · Scale 2, in force from 26 Feb 2026)