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$42,452
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,772
−HK$1,342/mo
Today · 4.125%
HK$45,114
baseline
▲ 0.50% · 4.625%
HK$47,859
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,228/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,227
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,494
−HK$1,285/mo
Today · 4.125%
HK$49,779
baseline
▲ 0.50% · 4.625%
HK$52,403
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,558/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,942
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,527
−HK$1,610/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,673
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,193
−HK$1,542/mo
Today · 4.125%
HK$59,735
baseline
▲ 0.50% · 4.625%
HK$62,883
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,470/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,433
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,879/mo
Today · 4.125%
HK$63,160
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,843/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,320/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,118
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,891
−HK$1,799/mo
Today · 4.125%
HK$69,690
baseline
▲ 0.50% · 4.625%
HK$73,364
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,380/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,413
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,790
−HK$2,415/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$86,146
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,009
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,313/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$94,325
+HK$4,723/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,143 · Scale 2, in force from 26 Feb 2026)