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$42,509
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,343/mo
Today · 4.125%
HK$45,175
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,350/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,291
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,559
−HK$1,287/mo
Today · 4.125%
HK$49,846
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,692/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,011
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,598
−HK$1,612/mo
Today · 4.125%
HK$54,210
baseline
▲ 0.50% · 4.625%
HK$57,509
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,420/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,749
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,544/mo
Today · 4.125%
HK$59,815
baseline
▲ 0.50% · 4.625%
HK$62,968
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,630/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,513
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,364
−HK$1,881/mo
Today · 4.125%
HK$63,245
baseline
▲ 0.50% · 4.625%
HK$67,093
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,490/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,208
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,983
−HK$1,802/mo
Today · 4.125%
HK$69,785
baseline
▲ 0.50% · 4.625%
HK$73,463
+HK$3,678/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,570/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,517
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,897
−HK$2,418/mo
Today · 4.125%
HK$81,315
baseline
▲ 0.50% · 4.625%
HK$86,263
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,630/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,124
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,407
−HK$2,316/mo
Today · 4.125%
HK$89,723
baseline
▲ 0.50% · 4.625%
HK$94,453
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,446/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,088 · Scale 2, in force from 26 Feb 2026)