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$42,496
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,818
−HK$1,343/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,277
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,545
−HK$1,286/mo
Today · 4.125%
HK$49,831
baseline
▲ 0.50% · 4.625%
HK$52,457
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,662/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,995
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,611/mo
Today · 4.125%
HK$54,193
baseline
▲ 0.50% · 4.625%
HK$57,491
+HK$3,298/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,386/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,732
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,253
−HK$1,544/mo
Today · 4.125%
HK$59,797
baseline
▲ 0.50% · 4.625%
HK$62,949
+HK$3,152/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,594/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,495
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,881/mo
Today · 4.125%
HK$63,226
baseline
▲ 0.50% · 4.625%
HK$67,073
+HK$3,847/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,452/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,187
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$1,801/mo
Today · 4.125%
HK$69,763
baseline
▲ 0.50% · 4.625%
HK$73,440
+HK$3,677/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,526/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,493
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,873
−HK$2,417/mo
Today · 4.125%
HK$81,290
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,946/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,580/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,098
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,316/mo
Today · 4.125%
HK$89,696
baseline
▲ 0.50% · 4.625%
HK$94,423
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,392/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,873 · Scale 2, in force from 26 Feb 2026)