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$42,514
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,836
−HK$1,344/mo
Today · 4.125%
HK$45,180
baseline
▲ 0.50% · 4.625%
HK$47,929
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,360/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,565
−HK$1,286/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,479
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,017
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,603
−HK$1,613/mo
Today · 4.125%
HK$54,216
baseline
▲ 0.50% · 4.625%
HK$57,515
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,432/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,755
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,278
−HK$1,544/mo
Today · 4.125%
HK$59,822
baseline
▲ 0.50% · 4.625%
HK$62,975
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,644/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,519
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,371
−HK$1,881/mo
Today · 4.125%
HK$63,252
baseline
▲ 0.50% · 4.625%
HK$67,100
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,504/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,215
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,991
−HK$1,801/mo
Today · 4.125%
HK$69,792
baseline
▲ 0.50% · 4.625%
HK$73,471
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,584/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,525
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,905
−HK$2,419/mo
Today · 4.125%
HK$81,324
baseline
▲ 0.50% · 4.625%
HK$86,272
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,648/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,133
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,416
−HK$2,317/mo
Today · 4.125%
HK$89,733
baseline
▲ 0.50% · 4.625%
HK$94,463
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,466/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,162 · Scale 2, in force from 26 Feb 2026)