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$42,481
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,803
−HK$1,342/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,260
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,528
−HK$1,285/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,439
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,563
−HK$1,611/mo
Today · 4.125%
HK$54,174
baseline
▲ 0.50% · 4.625%
HK$57,471
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,348/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,712
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,233
−HK$1,543/mo
Today · 4.125%
HK$59,776
baseline
▲ 0.50% · 4.625%
HK$62,927
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,552/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,474
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,880/mo
Today · 4.125%
HK$63,204
baseline
▲ 0.50% · 4.625%
HK$67,049
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,408/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,164
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,939
−HK$1,800/mo
Today · 4.125%
HK$69,739
baseline
▲ 0.50% · 4.625%
HK$73,415
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,478/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,467
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,845
−HK$2,417/mo
Today · 4.125%
HK$81,262
baseline
▲ 0.50% · 4.625%
HK$86,206
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,524/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,068
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,350
−HK$2,314/mo
Today · 4.125%
HK$89,664
baseline
▲ 0.50% · 4.625%
HK$94,391
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,328/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,629 · Scale 2, in force from 26 Feb 2026)