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$42,389
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,708
−HK$1,339/mo
Today · 4.125%
HK$45,047
baseline
▲ 0.50% · 4.625%
HK$47,788
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,094/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,158
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,422
−HK$1,283/mo
Today · 4.125%
HK$49,705
baseline
▲ 0.50% · 4.625%
HK$52,325
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,410/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,867
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,449
−HK$1,608/mo
Today · 4.125%
HK$54,057
baseline
▲ 0.50% · 4.625%
HK$57,346
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,114/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,589
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,107
−HK$1,539/mo
Today · 4.125%
HK$59,646
baseline
▲ 0.50% · 4.625%
HK$62,790
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,292/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,345
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,191
−HK$1,875/mo
Today · 4.125%
HK$63,066
baseline
▲ 0.50% · 4.625%
HK$66,904
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,132/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,021
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,791
−HK$1,796/mo
Today · 4.125%
HK$69,587
baseline
▲ 0.50% · 4.625%
HK$73,255
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,174/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,674
−HK$2,411/mo
Today · 4.125%
HK$81,085
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,170/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,884
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,160
−HK$2,310/mo
Today · 4.125%
HK$89,470
baseline
▲ 0.50% · 4.625%
HK$94,186
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,940/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,112 · Scale 2, in force from 26 Feb 2026)