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$42,470
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,791
−HK$1,342/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,515
−HK$1,285/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,425
+HK$2,625/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,964
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,611/mo
Today · 4.125%
HK$54,160
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,320/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,697
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,218
−HK$1,542/mo
Today · 4.125%
HK$59,760
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,150/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,520/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,307
−HK$1,880/mo
Today · 4.125%
HK$63,187
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,374/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,146
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,920
−HK$1,800/mo
Today · 4.125%
HK$69,720
baseline
▲ 0.50% · 4.625%
HK$73,395
+HK$3,675/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,440/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,446
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,824
−HK$2,416/mo
Today · 4.125%
HK$81,240
baseline
▲ 0.50% · 4.625%
HK$86,183
+HK$4,943/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,480/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,045
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,326
−HK$2,314/mo
Today · 4.125%
HK$89,640
baseline
▲ 0.50% · 4.625%
HK$94,365
+HK$4,725/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,280/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,442 · Scale 2, in force from 26 Feb 2026)