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$42,532
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,855
−HK$1,344/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,287/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,038
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,626
−HK$1,613/mo
Today · 4.125%
HK$54,239
baseline
▲ 0.50% · 4.625%
HK$57,539
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,478/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,780
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,544/mo
Today · 4.125%
HK$59,847
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,694/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,545
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,882/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$67,129
+HK$3,850/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,243
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$1,802/mo
Today · 4.125%
HK$69,822
baseline
▲ 0.50% · 4.625%
HK$73,502
+HK$3,680/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,644/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,558
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,939
−HK$2,420/mo
Today · 4.125%
HK$81,359
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,950/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,718/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,170
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,454
−HK$2,317/mo
Today · 4.125%
HK$89,771
baseline
▲ 0.50% · 4.625%
HK$94,503
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,542/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,462 · Scale 2, in force from 26 Feb 2026)