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$42,475
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,343/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,253
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,286/mo
Today · 4.125%
HK$49,806
baseline
▲ 0.50% · 4.625%
HK$52,431
+HK$2,625/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,612/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,970
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,555
−HK$1,611/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,462
+HK$3,296/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,704
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,543/mo
Today · 4.125%
HK$59,767
baseline
▲ 0.50% · 4.625%
HK$62,918
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,534/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,465
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,315
−HK$1,879/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$67,039
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,154
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$1,800/mo
Today · 4.125%
HK$69,728
baseline
▲ 0.50% · 4.625%
HK$73,404
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,456/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,455
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,833
−HK$2,416/mo
Today · 4.125%
HK$81,249
baseline
▲ 0.50% · 4.625%
HK$86,193
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,498/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,055
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,337
−HK$2,314/mo
Today · 4.125%
HK$89,651
baseline
▲ 0.50% · 4.625%
HK$94,376
+HK$4,725/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,302/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,524 · Scale 2, in force from 26 Feb 2026)